vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I asked chase bank customer service to cancel some charges made on my debit card to two online merchants. I believe the merchants were XXXX and XXXX. The amount of the transactions were approx XXXX a piece. Chase refused to cancel the pending transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This debt does not belong to me but was put on my credit. It is also a re-aged debt. Its not mine and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2014, I XXXX XXXX was engaged in a specific extension of credit with Capital One Bank. Capital One would send me statements stating that I owed a debt which included phone calls and emails that stated that this was an attempt to collect a debt and any information would be used for that purpose. This is a violation according to15 U.S. Code 1692d ( 2 ), ( 5 ) - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I also submitted and affidavit of truth to Capital One in which they did not respond. Capital One then caused adverse action by closing my account yet requesting me to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Earlier this year, Portfolio Recovery sued me for {$960.00} in regards to a previous XXXX XXXX credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Contacted AMX on the XXXX of XXXX after arriving at XXXX to find out that they canceled the hotel reservation. Had made the reservation hours earlier and notified them that we would be arriving around or sometime after XXXX. We were assured that the front desk would be notified and not to worry. We placed another call to reservation to let them know we were arriving shortly. This call was sometime shortly after XXXX and around XXXX. However, reservation informed us they did not have a room. 

I went directly to the hotel clerk and spoke with the clerk at the front desk who told me that it was reservation who canceled the room because it was after XXXX. I told the clerk that we had called twice to notify them that we anticipated an arrival time of around XXXX. 

He sent me across the street to a motel. The hotel clerk at the motel did not seem to know anything about XXXX covering the charge for one of their rooms. The clerk at the motel wanted payment. 

I called AMX while I was at this motel and spoke with a gentleman on the phone to report that XXXX was refusing to refund me for the room that they opted to cancel. I explained I did not want to be charged as I felt strongly that this was a scam. The hotel clerk admitted knowing that we would be arriving late into the morning hours. I was charged {$170.00}. 

This motel was not a place where I felt we would be safe and I was not about to get charged again and their rooms advertised for as low as {$50.00} to {$90.00}. 

We slept in the vehicle at a rest stop and drove on to VA where we checked in at the XXXX XXXX in XXXX. The clerks at XXXX informed me that the way the system works in the hotel industry for reservations is that when someone calls to notify the hotel that they will be arriving late that the room remains reserved until the parties arrive. They informed me that the clerk had the option to keep the reservation and instead opted to give the room away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CA

Complaint narrative:
On XX/XX/XXXX a person used my maiden name ( XXXX XXXX XXXX, a false address ( XXXX XXXX XXXX ), and the last XXXX digits of my SSN to open a XXXX XXXX account. I was unaware of this activity until I received a notice from XXXX Bank on XX/XX/XXXX that the debt had been sold to Porfolio Recovery Associates, XXXX. On XX/XX/XXXX, Portfolio XXXX sent me a notice that they had acquired this debt and were attempting to collect it. Shortly thereafter, I reported the error to XXXX bank, the three credit reporting bureaus, and XXXX XXXX. 
On XX/XX/XXXX, XXXX notified me that my dispute has been resolved and they acknowledge that the debt was not mine. I have also successfully flagged XXXX XXXX XXXX as a fraudulent address on my credit reports. However, because Portfolio XXXX has moved to collections and disputes my claim of fraud, this debt still appears on my credit report. 
Today, I filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-11-11 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: IL

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
The disputed charge made was for a cancelled service that was settled in collections last year for less than full balance with ERCXXXX XXXX XXXX Please reference documents submitted. 
On XX/XX/XXXX, the original balance owed for the account # XXXX # XXXX XXXX XXXX was {$610.00}. 
On XX/XX/XXXX, the account # XXXXRef # XXXX debt was settled for less than full balance to be paid in full in the amount of {$390.00}. The remaining {$210.00} was written off and account was at XXXX balance and in good standing. 
On XX/XX/XXXX, XXXX XXXX recalled the {$210.00} and sent back to collections to report the account # XXXX debt was owed. I mistakenly believed the account was not paid, since the account was assigned a different reference number Ref # XXXX. After further investigation on my part, I did the math. The amount that I paid this year was a written off charge for a cancelled service that had been in good standing and was at XXXX balance as of XX/XX/XXXX. 
XXXX XXXX illegally reopened the account without my permission and charged me for a service that I did not use nor owe according to the agreement made on XX/XX/XXXX. 
Account was in good standing and at XXXX balance as of XX/XX/XXXX. I have made several phone calls to both XXXX and ERC to report the error and illegal activity. XXXX collections initially made a refund request on XX/XX/XXXX, Ref # XXXX, but soon declined request stating they did not owe me the {$210.00}. 
On XX/XX/XXXX, XXXX told me I was suppose to get a call from supervisor, but as of today, no phone call was made. 
ERC has identified illegal charge to account and has escalated investigation Ref # XXXX, on XX/XX/XXXX. 
XXXX XXXX XXXX illegally opened an already settled account # XXXX from XX/XX/XXXX and charged me for a service that I did not use. 
Please review the math below to verify : XX/XX/XXXX Original Balance of debt {$610.00} XX/XX/XXXX Settled for less than full balance {$390.00}, paid in full from XXXX checking account. 
**Remaining {$210.00} written off as agreed to make account # XXXX at XXXX balance and in good standing. ** XX/XX/XXXX Account # XXXXRef # XXXX was reopened sent back to collections for {$210.00} and mistakenly paid in error by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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:
On XX/XX/2021 and XX/XX/2021 I sent a lette ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thrive National Corporation
State: TN

Complaint narrative:
XXXX of 2020 my XXXX National Fitness closed due to Covid. I called to close my account and end my membership. They told me I had to come in and fill out a paper to cancel. After months of continuing to stop by to sign the piece of paper, they were always closed when I went. I later found out the location closed completely. After paying for months for a membership that I could not even go to, I yet called again and got the run around that my membership was moved to another location and they could not close my account. I would have to come into that new location to cancel. I did that and they still did not cancel my membership. They continue to try and charge me and will not stop.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-11 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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX I started a loan with XXXX. They insisted that the first loan payment needed to be drawn directly from my bank account, but said I could change the payment option to a credit/debit card after. 

After taking the first payment of the XXXX loan, I tried to change the payment method, but they refused to accept any other method of payment. At the time I had other banks and credit cards I could have used for loan payments to XXXX. 

They continued to charge and ultimately overdraw the account, the bank account is now closed. 

The XXXX charged off and closed, and is now in collections from LVNV Funding. 

https : //www.lvnvfunding.com I'm aware of an XXXX settlement lawsuit from the FTC, and I've tried to contact LVNV about the settlement, but they refuse to stop collections activity. 

XXXX has removed their records off of my credit report, LVNV is still listed and active. 

I have paid about {$4000.00} to this loan before it was charged off, I am unable to get detailed records because XXXX has removed their information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm aware that that these two transactions is fraudulent [ XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions were unauthorized by my card and someone has obtained my personal information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any or ATM withdrawals on my account. Around the time or on this day I was incarcerated ( imprisonment ) So I am not liable. I'm requesting a charge back of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Earlier this year, XXXX XXXX sued me for {$960.00} in regards to a previous Capital One credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TX

Complaint narrative:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. To my understanding of the law EQUIFAX, INC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. Payment history is a list of TRANSACTIONS. The amount of credit extended and/or amount of credit being used are EXPERIENCES. This would mean it is illegal to be reporting payment history and the amount of credit extended and/or being used because it should be EXCLUDED from a consumer report. I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.

Company response to consumer: Closed with explanation