vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
I called Pacific Retrieval LLC today, and spoke to a man who ended our conversation by hanging up on me. I was trying to explain what I knew of my claim. Note, I am not an insurance adjustor, nor am in debt collections, so I'm not familiar with the processes as well as those who are, so I was asking questions and telling him what I knew. He was rude from the start, and at one point he tells me " thats the most ridiculous thing I've heard all week. '' I asked what he meant and he responded with this threat, " if you don't want your credit hurt you can call back and set up payments '' and then hung up on me. I tried calling back, and I heard the same man in the background yell at the lady who answered my call, " just hang up on her. '' So she hung up on me as well. The calls are recorded. I suggest requesting those recordings. As of now, I haven't been able to resolve this issue or figure out how I now have debt in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Virginia unemployment made a deposit XXXX in my account on XX/XX/2021 my account was close chase bank a still have the funds they never the money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Capital One in XXXX to pay off my 2 cards. I gave them the balances owed because they do not show all of the card numbers on the credit report. I had one card that I was a signer on and the other with just myself. Capital One gave me the collection agency to call. I called and payed off one of the cards. I was told that it would take 10 days to update. When it did not, I called Capital One back. They told me that the payment was showing up but that it could take up to 30 days. To call the agency back and have them update. I called XXXX XXXX back and told them what Capital One said. I then called Capital One and asked them to send me a payment letter. They next did. Later in XXXX I called Capital One to discuss my 2nd card. I asked how to take care of it. I was told to call XXXX XXXX and I was given the XXXX number as the last 4. I asked several times about the XXXX balance to make sure I was paying off the 2nd card. I was told it was. I paid XXXX on XX/XX/XXXX to settle this account. I have called Capital One about 15 times since XXXX and I was given incorrect information EVERY single time until a couple weeks ago when I spoke to a gentleman who called XXXX XXXX to try to sort it out. He also said that the XXXX card was back at Capital One and has been since XXXX. Yet EVERY time I called Capital One .... they did NOT mention that. They ONLY said that it was still unpaid. I attempted to settle this today. The 1st lady said the XXXX card was mine even though I had to repeat about 20 times that it was mine and that I KNEW it was mine. The Senior person I spoke with is part of the issue. She wanted to settle for XXXX AFTER not giving the proper information in early XXXX when I spoke to her. Her misinformation along with the others had me losing XXXX. It has ALSO impacted my credit report in a negative way for MONTHS. Capital One is who gave me the card info. They should have been EXACT as to what balance was for which card, so that I could take care of it correctly. They ALSO should have told me that the 2nd card was back with them in XXXX. They did NOT. I only found out after months of wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Kohls, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

During XXXX I went to the Kohls store, and was going to pay cash for a transaction, I was told if I applied for a Kohls card I would get a discount. I made the purchase and paid the person in cash, and in fact handed the person the exact amount.

however later I found out that not only did the Kohls rep take my cash, but they also charged the card. I only found out about this months later when I received calls from Kohls.

Kohls told me to dispute with the fraud dept which I did.

They made me go to the store to get camera proof, the store didnt help and while all this was going on, Kohls marked me late. 

I then paid off the collection company {$200.00} odd, theyve marked me late 90 days I never even activated the card. Im a frontline health care worker, I was robbed of cash by a Kohls representative and now due to this fraud I have. late payment.

Account information : Balance : {$0.00} Credit limit : {$300.00} Account status : Paid Closed :XX/XX/2019 Demand : I am requesting a deletion of my account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a hard inquiry on my XXXX  credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: U.S. BANCORP
State: CA

Complaint narrative:
Fraudulent credit card opened in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX I logged into my Wells Fargo account and it shows a banner that has pre approved offers for credit cards. As I have not had but 1 inquiry in the past 5 years. And recently paying off things that were on my credit, I thought it would be a good time since Im pre approved from the offer from my bank. I have a personal checking. A business checking. Business savings. And business credit card with Wells Fargo. I thought my personal credit must be looking good since they are pre approving me for personal credit cards. Well after I logged into the page Wells Fargo populates all the information and comes back with a denial. I called the next day XXXX and I was on the phone for 1:30 trying to talk to an underwriter to show what was on my credit is marked for deletion and have the papers to prove it. So there really shouldnt be an issue with approving this account. Especially since once again I was pre approved. They transferred me to 4 different people. Most being rude. And refused to get me to an underwriter. They should be a business of their word and extend credit as they have put 2 inquirys on my record in 1 day. They need to remove an inquiry and also extend credit as they pre approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a hard inquiry on my XXXX  credit report that I would like to have removed due to fraudulent activity. The date on the inquiry is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to TransUnion ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to TransUnion on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, TransUnion is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of TransUnion who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts would not be removed until an investigation was completed. TransUnion has violated my rights and federal law with their unscrupulous business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Network will not remove account from my credit after account has been paid off. This is hurting my credit and needs to be removed ASAP. They are not honoring my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
I signed up for a checking account with an attached bonus of receiving {$50.00} when I received a direct deposit of {$200.00}. I received a qualifying direct deposit on XX/XX/21, and received an email stating I would receive my {$50.00} bonus. XXXX  said that the bonus normally is added within two weeks, but can take up to 30 business days. I have not received my bonus yet and it has been over 30 business days. I have reached out to XXXX  multiple times with the promise that this issue has been escalated to upper management and they will reach out in 1-2 business days. I have been told this 3 times over the last week and a half and no one has reached out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life. My most recent certified letter I sent was XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Specialized Loan Servicing purposely lied and said my home was in foreclosure and it was not. They also said my home was effected by a natural disaster and it was not. They also said my home was in deferment and it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have sent an affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: OneMain Finance Corporation
State: ME

Complaint narrative:
Received letter stating previous letter was sent ... .I deny such allegations. Also they are attempting to collect for an item that is not being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I never had any contracts with XXXX nor XXXX XXXX  and clarity service, Experian and XXXX  continuously reports these account which are had by identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with Experian on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on XXXX? How can the terms be " 12 months '' on Experian and due weekly on XXXX? How is my high credit limit {$500.00} on Experian with no credit limit reporting on XXXX? How is the date last reported on Experian XX/XX/XXXX but on XXXX  its XX/XX/XXXX? How is the date last active on Experian XX/XX/XXXX when its reporting as XX/XX/XXXX on XXXX? The account is reporting as charged off on Experian from XXXX XXXX XXXX but was reported as a charge off on XXXX  starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from Experian who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both Experian and XXXX. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.

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