vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: KS

Complaint narrative:
In XXXX I got a personal loan from Check N Go. The loan was wrote off as bad debt and sold to XXXX XXXX XXXX. I received a call from them yesterday ( for the second time after talking to them a month ago ) from XXXX in reference to account number XXXX. The collection agent informed me that they were going to file criminal charges for fraud towards their company they were collecting for Check N Go as well as garnish my wages/bank for funds owed. I informed the representative I spoke with his company the month prior and informed I filed Bankruptcy in XXXX and it was discharged in XX/XX/XXXX. I informed Check N Go was in fact included. I informed the representative that this time they would be hearing from my attorney for pursing the debt after notification. I did contact my attorney and was told he would be sending a cease and desist notification as well as a notice of what could happen if they continue. I have also contacted the XXXX and MO attorney general ( since I work in Missouri, but live in XXXX ) and now you all. I don't want money, but I do want their predatory collection practices looked into and the company fined for threatening with out intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MD

Complaint narrative:
XX/XX/2020, I put a fraud Alert on my credit report with XXXX and Equifax. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to Equifax and XXXX by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: AES/PHEAA
State: FL

Complaint narrative:
FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7000.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4800.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3700.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$1500.00} I am concerned with the validity and consistency from your latest examination along with the delayed payments with regards to this particular account and exactly how it is reporting on my credit report. Just about 45 days ago I requested an investigation considering the fact that I assumed the item is not being cited recently. To my shock I been given a document showing that your examination was completed and that the item had been " validated as accurate. According to Section 1681 ( g ) take the time to grant me with a description of the technique employed to prove the account is " genuine '' and mail me the name and addresses of persons contacted in every laws in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was unable to dispute a item online and Im getting a error message on my XXXX credit report I contacted XXXX and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target  credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: RateGenius Loan Services Inc
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, RATEGENIUS/XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX/XXXX XXXX Inquired on XX/XX/2020, APPLE CARDXXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
there are several charges on account that came out of XXXX after I already moved to XXXX XXXX I contacted you this morning and wait until everything is settled but they do not want to take responsibility for the issue. I'm already experiencing homelessness because of this. they pretty big card is US Bank ReliaCard which was an option to receive my taxes unemployment benefits.

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 2021-02-03 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: CA

Complaint narrative:
I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I paid what I thought was a 6-month vacation club loan off in what I thought was the time frame allowed. Comenity charged the equivalent of a 50 % interest fee on the unpaid balance a month later. I have contacted Comenity by phone, snail mail, and on the website. Phone representatives said they were unable to do anything. I have received only impersonal digital responses not specific to my concerns by mail. There are only rare moments when I can connect with the website on my XXXX or XXXX devices. The website is generally not accessible. I submitted a complaint to CFPB which resulted in no resolution on my behalf. Thus, I paid the outrageous interest off in two payments and received emails confirming their receipt. 

I sent a request with my last payment to close my account. This month I received a bill for {$540.00}. This charge is unwarranted. The loan was paid in full including interest charges and the account is closed. Sin Comenity does not communicate with its customers in any personal way, I request assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/2020 I have received two transaction from my client in XXXX, XXXX XXXX in the amount of {$470.00} and {$320.00} ( attached ). However the sending XXXX XXXX routed the transactions through its affiliate Wells Fargo while disguising the international origin of the wire transactions ( violation of the Patriot Act II ) .. What was received on the end was {$50.00} less for both transactions as the XXXX XXXX XXXX disguised any fees charged to both my client and me and the transactions arrived as {$450.00} and {$290.00} respectively without any proper transaction routing and fee listing disclosures. What bank is doing is not only unethical but illegal and it must be stopped as this type of practice also encourages money laundering and complete lack of accountability/transparency. XXXX XXXX and Wells Fargo refused to answer any questions regarding this transaction.

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 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Resurgent is attempting to collect debt for XXXX and account is already Paid In Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Avant Credit Corporation
State: FL

Complaint narrative:
Hello, I have an account with AvantXXXX XXXX and I was recently a victim of fraud I was pronounced Deceased on XX/XX/2020 and someone wanted to file a death claim under my name ... That has since been corrected but however Avant the credit card company Closed my Account and Charged it Off, I have called them several times to tell them to please reopen my account that this was NOT my fault and it's ruining my credit which I try so hard to keep in good standings. On XXXX Credit bureau it shows up as a Charge Off and that is bad for my credit ... And Avant won't work with me to take it off ... Every time I call them they tell me they will send me and email or call me about this and they don't I have been trying to fix this issue with them since XXXX and still nothing.. Please help me resolve this issue before it ruins my credit, Thanks so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: CA

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
the collection agency is reporting to the 3 major credit bureaus inaccurate information and has been since XX/XX/XXXX until current. i have contacted the credit bureaus and collection agency and the refuse to investigate and verify this account. the contract does not bear my signature, and contains the following inaccuracies : monthly payment, date opened on contract was XX/XX/XXXX, account is closed with a past due balance of XXXX. the date last reported was XX/XX/XXXX but reporting a different date with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MA

Complaint narrative:
I have tried numerous times to get the closed account ending in XXXX regarding XXXX XXXX to reflect correctly which Equifax has failed to do. XXXX shows the account being closed in XX/XX/XXXX with no further activity. 

Equifax after a recent investigation on XX/XX/XXXX already reflected the next day changes that were erroneous errors. They showed the account with lates from XXXX XXXX XXXX and another charge off reporting in XX/XX/XXXX which makes no sense since the account was paid and closed in XX/XX/XXXX as will be shown from a picture took of the reporting. This account is paid and closed as of XX/XX/XXXX with no activity afterwards. 

Equifax has purposely tried to re-age this account to reflect negative activity after the fact it was closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Resurgent is attempting to collect debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
I'm a victim of identity theft and I've provided the needed documentation to experian on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.

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 2021-02-03 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: NJ

Complaint narrative:
I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I attempted to cancel a monthly gym membership while the gym was closed due to covid restrictions. I first attempted to close by mail on XX/XX/XXXX but the gym was not accepting mail and my letter was returned as undeliverable. I then attempted to cancel by email but the email reply was an auto-reply saying the gym was closed! The gym was also not answering their phone. They gave no way for members to cancel while they were closed. Then when they re-opened they automatically started billing again and only processed cancellations after that. 

I have been receiving collection attempts from XXXX XXXX billing company, ABC Financial, who has never provided any information on the amount I owed despite my requests and my dispute of the validity of the debt. Their email bills to me showed a blank amount due ; I am attaching copies of two of these where you can see the amount due is blank. I never received anything by mail or email from either ABC Financial or XXXX XXXX showing an amount due. When I attempted to reach they gym directly, asking for validity of the debt that ABC Financial was attempting to collect, they did not reply to emails and my letter was returned to me as undeliverable. 

ABC Financial also continued to call my phone despite my requests for them to contact me by mail. Im attaching a phone bill showing their collection call on XX/XX/XXXX when I told them not to call my phone again. You can also see on the attached email correspondence that on XX/XX/XXXX I made the request in writing for them not to call me again. I'm attaching a phone bill showing one of the collection calls from them after I requested that they stop calling ( on XX/XX/XXXX ). 

They have now turned this account over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Possible Financial Inc
State: CA

Complaint narrative:
Possible Financial is reporting an account as a charged off account but that is inaccurate. I recently checked my credit file and noticed this was reporting erroneously. I was completely unaware about any lates on this account because I had always made a payment on time. Somehow, my payments clearly never registered on their system and it charged off without me knowing. I was never notified about this, and I continue to make payments on time and I've never been made aware about this. This debt is being paid in a timely manner and this should have never charged off. I am aware you are able to change the status on the account because you are the original furnisher and can report to the bureaus as you deem. However, it should report accurately. This is not a charge off, this installment loan is being paid off on time and that should reflect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan CHASE charges {$1.00} that CHASE calls '' convenience fee '' for paying my XXXX bill by phone. A rep from JPMorgan CHASE said they do not charge any fee. Why am I getting charged an additional {$1.00} to pay my bill over the phone with a debit/Visa card? 

Please advise as it was taken out of my account as a separate charge. In addition to my current monthly bill. 


.Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA N XXXX Date Opened XX/XX/12 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank ( 360 Savings ) refuses to provide some customers their 1099-INT digitally through their portal due to technical issues on their end. They are unable to solve the issue or provide an ETA for 1099-INTs to be available digitally.

Customer service confirmed this issue is not browser or device specific but due to customers with multiple products at Capitol One ( e.g a bank account and a credit card ).

Company response to consumer: Closed with explanation