vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX XXXX store located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX and purchase {$7000.00} more or less on furniture. 
Price agreed 111 a month 5 years, 10 percent interest rate on the whole amount which was {$7000.00} so 10 % on {$7000.00} was around 700, so {$7700.00} in 5 years around 130 dlls a month, but I canceled one piece of furniture so it went down to 111 a month. 
We signed and things were delivered. 
The messed up my floor and walls, and couldn't take dresser up so they left it in the middle of my kitchen ( complained to XXXX  and the came back 4 weeks later ) Then I got my first bill for XXXX plus late fee of XXXX I paid XXXX, called complained to synchrony bank, then XXXX 's, NOBODY GAVE A XXXX then a sup from synchrony told me, " go to the store, and tell XXXX 's to send us a letter saying XXXX a month instead of XXXX plus monthly interest, So I did that, went to XXXX 's, talked complained, they said yeah it was XXXX a month not XXXX, I showed him the app charging me XXXX he said he would send info. 
2 months later, the apps says I owe them XXXX plus dollars for fees and 2 owed payments. 
I called again. 
Nobody can help. 
Please help me

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 monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This debt has been showing up on my credit report since XX/XX/2017. I have absolutely no knowledge if this account and know for 100 % certainty that I have not applied or received any loans for nearly {$5000.00} in many years because I have been working on fixing my credit. The last thing I would do would be to get in more debt while trying to get out of it. Each time I dispute the charge, I get the response " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I don't know what that means. I want this taken off my credit report. This is a mistake and I have zero knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
My wallet was stolen from my car years ago and multiple credit accounts were opened in my name. I attempted to have this debt removed by disputing, but received no help from the company. I am receiving harassing phone calls for debt that isn't mine. 

I experienced a traumatic experienced being a victim of vandalism and identity theft. I would appreciate the company removing the fraudulent accounts being reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EOS Holdings, Inc.
State: SC

Complaint narrative:
The there was a dispute that came back unfounded. This mark on my credit report is well over 7 years old. The reporting is starting with a date of when the account was purchased by a collection agency which isnt legal. Its the EOS report on my cretic report which started from a XXXX account that was never mine well over 7 years ago. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
I called XXXX  due to COVID Forbearance Relief they said there was high volume in calls and said my forbearance would end on XX/XX/XXXX, but then they said I would owe all funds all at once, I told them I did some reading and they can't make me pay all at once. They did not offer how they will settle my forbearance once it is over. There 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 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
HI SOURCERECEIVABLE MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX {$980.00} withdrawn without my permission. 
XX/XX/XXXX{$2300.00} withdrawn without my permission One other attempt which was submitter for authorization and I detected and denied. Do not know the date but believe was in XXXX and for {$2300.00} ( Has been deleted from my statement information ).

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 2021-06-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In 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 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We opened an account at regions early XX/XX/2021 they had a promotion of XXXX $ for new accounts with direct deposit, my wife requested with her job the next week, fast forward I went into branch they said we should have had the direct deposit within 30 days we missed it by a week I called to talk to a supervisor XXXX no luck, said they are sticklers, I just think it is a bait and switch they got us to open the account and oh sorry you missed the direct deposit by a week or two, it couldve been on there side or theres this COVID thing where everything is slowed down I think they should honor there promot

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 2021-06-21 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: NC

Complaint narrative:
On approximately XX/XX/2021, I sent a letter to Experian to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or 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 non-monetary relief
Consumer complaint received 2021-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohls Capital One is reporting late notations for XX/XX/20, XX/XX/20 and I would like them removed. I was having a very hard time due to Covid and I ask that they please take leniency and remove the lates. I was not late anytime before and It would be a big help so I could get my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AL

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the 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 non-monetary relief
Consumer complaint received 2021-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: SD

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX bank # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. 

On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I received a letter from a debt collector stating I owed XXXX from a medical provider. I mailed a letter to the debt collector asking them to verify the debt. I requested dates of services, reason for the visit, and proof of previous payment. When I went to the XXXX XXXX  office any out of pocket cost was paid at the time of the visit. I never received any bills, letters, or calls from the XXXX XXXX office. 

I received a letter back from the debt collector stating " When an undisputed account is listed with us for collection, it is deemed to be due and payable in full. If you need time in which to secure the balance due, call or visit our office so that a reasonable extension of time may be granted ''. 

This collections agency never supplied me with my request, basically they're stating if the debt was placed with them then the money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I called Capital One to check the status of a dispute I had with a XXXX hearing aid company. The representative said I only had until XXXX to respond to the complaint so the deadline had passed. I pointed out today was XXXX and asked to speak to a manager. The manager claimed a letter was sent to me on XXXX that gave me 30 days to respond. I pointed out that I had not received a letter and that there are only 21 days between XXXX and XXXX. I also pointed out I had an email from the XXXX company dating XXXX offering a full refund. I was offered a link to upload the email, which I did, but was also told that I still needed to respond to the letter I don't have and never received. 

When I asked that the case be reopened, I was told it couldn't be because that was the law no matter what the AG or the CFPB had said. I asked for the uplink to send the email and to be transferred back to the Capital One customer service department so I could cancel my card. It is abundantly clear that Capital One either has a very bad employee ore misrepresents the level of customer service it offers. XXXX XXXX ID XXXX offered to cancel my account on the spot. She didn't tell me that if she closed the account I would forfeit over {$350.00} in accumulated points on the card. Fortunately, I told her I did not want to work with her any further or I would not have discovered this until the money was lost, It's sad when a XXXX corporation that sells broken hearing aids to the elderly has a better grasp of US law and provides better customer service to defrauded people than an American company. 

XXXX XXXX ID XXXX claimed she was the only person capable of helping me resolve this dispute and refused to do so. I sincerely hope that isn't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX XXXX # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. This debt was sold to Midland Funding LLC, who i have contacted to remove it from my credit and they put me on hold and transfer me around but refuse to address the issue. 
When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Sequium Asset Solutions , LLC has sent me a letter. They state that I owe {$150.00} for an account that doesn't belong to me. The Creditor they claim I owe is XXXX XXXX. The date they have on their letter is XX/XX/21. I have mailed them a letter via certified mail asking that they send me proof that I owe this debt. Sequium Asset Solutions , LLC has failed to do that. They had 31 days to respond to my letter and they failed to do so.They have spelled incorrectly in their letter. Because that isn't me who owes the debt. Now their destroying my life because they put a derogatory remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CT

Complaint narrative:
I am having an issue with FedLoan Servicing. My account was closed due to loan consolidation back on XX/XX/XXXX. This account is still showing derogatory events on my credit report from XXXX ( my father passed away in XXXX of XXXX and I was still not working ). This negative account is destroying my credit. 

I reached out to FedLoan servicing back on XX/XX/XXXX to try and resolve this, and I had asked for it to be removed completely from my report as it is causing issues ( noting that I'm currently in good standing with the Dept of Ed/XXXX, and have been for years ). The representative logged my dispute and sent me an email containing a XXXX XXXX Dispute Form, which I promptly filled and returned via mail to FedLoan Servicing, XXXX. XXXX XXXX, XXXX, PA, XXXX. This was sent on XX/XX/XXXX and I have not yet as of today XX/XX/XXXX received any response ( regarding the removal of the incorrect information, or otherwise ). 

Attached is a copy of my FedLoan Servicing Account Details from MyFICO. There is a {$0.00} balance shown however this account continues to sit on my credit report with a 120+ day delinquency, absolutely ruining my credit score, and it appears there is no resolution in sight as they refuse to even communicate with me. Please help me.

Company response to consumer: Closed with explanation