vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: ID

Complaint narrative:
XX/XX/2021 a delinquent account listed as Harvard Collections appeared on my otherwise perfect credit report. The open date reported was XX/XX/2021, and the original creditor XXXX XXXX XXXX XXXX. The amount {$200.00}. 
I've never been contacted by mail, or phone by Harvard or XXXX XXXX XXXX. I've never been billed by either entity for anything, never lived in Illinois or had any financial dealings with that state so I disputed the entry with all 3 credit agancies. The information was not removed. 
I called Harvard Collections with the account number and was told that there is no statute of limitations on State Debt, however, I know there are limits on what can be reported. I asked for verification and was given a phone number for XXXX XXXX XXXX. I called 4 times and no one at XXXX XXXX XXXX could find any record of any debt owed by me. The negative information is still impacting my credit score and access to fair interest rates. If I owed a debt I have never known about, I've never been given the opportunity to even pay it prior to this damaging information being reported. It's extortion without causation or avenue for remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I've been a Citicard member since XXXX. That's 15 years without a single missed payment until I increased my auto-pay amount and was unaware it didn't go through! That one time this past XXXX a payment was 8 days late because the amount wasnt collected via autopay as usual. 
I had also began receiving these robo calls concerning my account which my phone identified as spam. Being sick of this number calling my phone I picked up and it was some bot asking me to check my Citicard account, thats when I found out the new auto pay amount didnt go through. 

The payment was promptly when the when I realize what happened. But on XX/XX/XXXX instead of recognizing my superior record with Citi they decided to be an XXXX* and cut my entire credit line on both cards to almost nothing making it a now appear as if Im at my credit limit thus severely damaging my credit score! 

My credit was reviewed not by a person instead by an " Automated Consumer Interview System '' via XXXX A XXXX computer bot decided I should have my credit cut off! REALLY! Since my XXXX Report is Frozen I'm not sure where they conjured up this nonsense. I've just gone through every line of my credit report and there is nothing I repeat nothing derogatory to prompt CitiCard to do such a hideous thing. 

When I called them all I got was their computer bot runaround, when I finally got someone whom I could hardly understand I was told the the people who actually review credit can only be contacted via snail mail, they dont take phone calls or emails. I was then told they would send a request to them to review my account. No one wanted to take responsibility and there was no one connection with this to speak with. CITICARD reviews credit by using an " Automated Consumer Interview System. '' 15 years of credit history gone because of artificial intelligence, And I use that term loosely! A computer bot decided I should have my credit cut off! I want to let everyone know about Citicard 's egregious behavior and the treatment of the senior clients. When considering an credit card for your business or personal use, this is not the one to choose, there are many other companies that value their long-standing clients. CITICARD IS NOT ONE OF 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 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX I was in a car accident. My car was deemed a total loss. My car finance company applied the payment of {$11000.00} to the wrong account. That customer cashed the check on XX/XX/XXXX. That customer did not owe the car finance company anything, their car was paid off. The car finance company is the that customer a refund. The {$11000.00} should have been applied to my account. I have a copy of the check, front and back.

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 2021-08-16 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:
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 : XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over 100 points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding XXXX to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire paper trail I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under XXXX XXXX XXXX  XXXX XXXX. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this 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 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
Early in XXXX my bank wrote me a letter saying that there was " irregular activity '' ( their term ) on my checking account and if they didn't hear from me within a certain window of time, they would freeze my debit card. ( I don't have a credit card anywhere, and I haven't been able to log into my account at the bank website or use the billpay for over a year, which is another matter entirely. ) I wrote them a letter. No answer. I wrote another letter. No answer. I wrote a third letter. No answer. The debit card is now frozen and probably cancelled, and I can't ( a ) get money out of an ATM, ( b ) shop with the thing ( though my XXXX account, which is tied directly to the bank account itself, seems unaffected ), or ( c and most important ) buy any Postal Money Orders with which to pay my rent -- and my landlord is getting unpleasant. I am still getting alerts for my monthly online statement ( so the account remains active ), but since I can't log in, I can't check it and see what this " irregular activity '' is. I want an answer and I want it IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CCB/ZALES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a XXXX XXXX  XXXX - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written XXXX XXXX XXXX to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc.
State: AR

Complaint narrative:
dear consumer financial protection bureau so im submitted written online email case report about im having delay problem issues with and check cashing business goes by the name of ingo money inc so the ingo customer has reach out too the business company directly today and has not been unable to solve problem issue between the consumer and the business company directly so i can explain details about the type of problem issues im having with ingo money inc check cashing services so i had deposit check thru ingo money app mobile check deposit thru my smartphone and after i mobile deposit the first check enclose from my smart phone ingo money denied my recent transaction check amount {$8.00} cents into credit into my checking account then after they denied my first check i deposit another check for XXXX cents even amount into my mobile check deposited into my checking app account on yesterday ingo money close my mobile check desposited account without my consent of knowing they did so i can provide ingo money inc telephone number XXXX so now im not able to deposited checks into my ingo money account thru using mobile check from my phone app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Wallet was stolen in XXXX XXXX, FL a report was made in 2010. And now I have a debt to Capitol One

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I received a letter dated XX/XX/2021 from XXXX XXXX from XXXX XXXX in fact stating that there is no record that they show that I owe an alleged debt to said company. Procollect which is the third party debt collector is reporting on behalf of XXXX XXXX a negative account on my consumer credit report. All documents that have been sent to both parties are included in this compliant.

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 2021-08-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
My son purchased a visa gift card ( Vanilla ) for my birthday from the XXXX XXXX XXXX  in XXXX, WV in XX/XX/2021. I checked the balance online on XX/XX/XXXX. The balance was XXXX . I tried to pay for a purchase in XXXX, TN on XX/XX/XXXX. The card was declined because there was no balance left. I had not used the card for anything. I immediately contacted XXXX and filed a report. They told me it may take up to 90 days to rectify the situation. In XXXX they informed me that there was nothing they could do. So ultimately we lost XXXX $ by purchasing a Vanilla gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: AmeriCollect
State: PA

Complaint narrative:
I filed a dispute against Americollect for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it ) that you have on file and I also requested Ameicollect to Provide a copy of my signature with the provider of service to release my medical information to Americollect. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/2021. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
debt was charged off in 2008 in South Carolina called today was told by XXXX XXXX that the he was collecting a very old debt from Bank of America and was threating legal action we asked about the statute of limitations being way past, he said in not so many words they had a loophole and we best comply

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 2021-08-16 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: MS

Complaint narrative:
Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The XXXX XXXX company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: MS

Complaint narrative:
Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated MayXX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I consumer XXXX XXXX sent CAPITAL ONE a cease and desist and they refused to stop contacting me about debt that is not mine and already paid off. CAPITAL ONE is using abusive tactics in order to coerce payment. CAPITAL ONE has not validated any debt that belongs to me. I am the consumer and I'm not obligated to pay ANY debt under the provisions of the Fair Debt Collection Practices Act. 18 usc 8 is responsible for all consumers. My federally protected rights are being violated by CAPITAL ONE. I asked CAPITAL ONE to show a documentary trail of alleged debt that they gave my money from their account. I am the consumer that extended CAPITAL ONE CREDIT. CAPITAL ONE has closed my account in which violates my consumer rights as well. CAPITAL ONE can not close my account under 15 usc 1691. CAPITAL ONE has showed false statements every month in a positive balance. This is false and misleading. CAPITAL ONE is civilly liable.

Company response to consumer: Closed with explanation