vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: NJ

Complaint narrative:
NOW I WAS OVERLY NICE LAST TIME!, NOT THIS TIME.  PROSPER MARKETPLACE HAVE REPORTED A BALANCE THAT WAS DISCHARGED IN XXXX XXXX OVER TWO YEARS AGO.  THE BALANCE IS ZERO, NOT $10,200.  ITS NEGATIVELY AFFECTED MY REPORTS FOR TWO YEARS NOW.  ONLY A MONTH AGO THEY PROMISED TO FIX BUT HAVE NOT.  THEY DO NOT CARE, AND O THOUGHT YOUR FIRM WOUKD HELP, BUT YOU HAVE NOT AS WELL.  WHAT NOW???

XXXX
XXXX XXXX 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 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I regretfully let someone scam me due to being a desperate single mother Looking for a job on XXXX. I was contacted via text message on Friday XX/XX/XXXX at XXXX XXXX  XXXX by XXXX XXXX about XXXX XXXX XXXX XXXX call center Job and to reach out to the HR manager Download an app to open a link to it so I can text this man. In the process of us texting From XXXX XXXX he tells me he will send me a check in the amount of XXXX to deposit via mobile banking for different softwares I will need for the job. Once the money was available I was told to send to Different vendors which now I see was just different accounts that he /they possibly has. The checks returned luckily I couldnt send any more money out & the money was still in my account when Both checks returned which made me go into a XXXX XXXX. Ive tried everything with my banks but since I deposited & sent the money out Its my fault.So I take it as lesson learn in life.

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Synerprise Consultinto release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 


Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request copy of Complaint # XXXX. XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permission to access and supply my credit report on XXXX. I have asked for a copy of permission so I may defend myself because I did not give any permission. Experian passes the buck to XXXX  who has sent a copy of an incomplete and undated application that even states it was processed. I continue to complain but XXXX  list complaints as duplicate since they claim to already have processed and answered on Complaint # XXXX. Two problems ; I do not have XXXX  response on Complaint # XXXX and I have yet to receive copy of valid permissible permission allowing XXXX  to process permissible permission and access my credit 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 2022-02-19 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:
I was in XXXX training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.

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 2022-02-19 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to dispute an alleged debt with Resurgent/ LVNV Funding, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the XXXX, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. 

I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The XXXX requires you to verify the validity of the item within XXXX days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. 

In the event debt collectors/ credit bureaus can not verify the item pursuant to the XXXX , and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the XXXX . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

Here is just a few of CFPB debt collectors complaint 's similiar to mines : Resurgent # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the XXXX. 

I look forward to CFPB protection and to enforce the law against all perpetrators in violation of XXXX. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
On my XXXX XXXX XXXX report I have a collection listed that was paid to Hunter Warfield years ago. I believe back in 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX, I was in an auto accident that totaled my car and resulted in various injuries. On the evening of XX/XX/XXXX, I went to XXXX XXXX in Maryland ( Business Office # XXXX ) for medical service. Upon filing the accident claim witn my auto insurer, XXXX, the claim examiner asked would I like for XXXX to pay my medical bills or would I prefer that XXXX reimburse me ( XXXX claim examiner : XXXX XXXX can be reached at XXXX XXXX ). At the time, I asked that XXXX pay medical bills directly and I gave XXXX a XXXX waiver form related to medical services rendered in relation to the accident on XX/XX/XXXX. Since then I have received various bills in the mail and repeated phone calls from XXXX XXXX requesting that I settle the outstanding bill. XXXX repeatedly instructed me that they needed an itemized bill to pay the outstanding bill. On XX/XX/XXXX, I received an itemized bill from XXXX XXXX which I uploaded to XXXX 's claims website. 

XXXX informed me that they sent XXXX XXXX a check on XX/XX/XXXX, and that they have a record of XXXX XXXX depositing the check on XX/XX/XXXX. Between these XXXX dates, I spoke with XXXX XXXX twice, requesting if they had received the check, to which they told me they had not, but they entered a memo that the check was " in the mail. '' During the week of XX/XX/XXXX, I received a letter from NCC ( contact number XXXX ) a debt collection company. In response, I contacted XXXX XXXX on XX/XX/XXXX to confirm that they had received payment, and note that XXXX had erroneously contacted me for bill collection. At that time, the gentlemen at XXXX XXXX informed me that he had a record that the bill had been paid and that XXXX XXXX would clear up this matter with NCC. When I asked should I take any further action such as checking that Mercy had cleared up the matter, the gentleman agreed that I should reach out XXXX week later ( XXXX XXXX ). 

On the morning of XX/XX/XXXX, I received a call from NCC. I let it go to voicemail and called them back. After reading off various guarantor numbers and account numbers from XXXX XXXX, the bill collector told me that I'm probably looking at the wrong bill and that I could pay her now. At that point, I officially informed her that I wished to dispute this debt and what are the next steps. She then simply began a process of haggling with me, telling me that they were willing to mark the debt down if I paid then and there on the phone. At this point, I told her that this is ridiculous and that I don't understand why I'm being requested to pay a bill that has already been paid. I hung up the phone and I am now filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: WI

Complaint narrative:
Hello, I have on my credit report of {$800.00} owed on XX/XX/2021 through XXXX XXXX. 

Sequium Assest Solution has this in collection. When I attempted to call ( XXXX ) XXXX they stated they had my information for a service in Florida. 
I told them it was not me, I didn't have an account nor did I co-sign for anyone with for this. 
They were not co-operative. I have tried to resolve through XXXX and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a structured settlement agreement with Citibank concerning a outstanding debt. The settlement was agreed upon between my lawyer XXXX XXXX on behalf of myself and a my contracted debt settlement company, XXXX XXXX XXXX, and the debt collector for Citibank XXXX, a law firm in Virginia. The account was settled last year in XXXX of 2021. I have a copy of the settlement with a payment schedule which has been adhered to being paid by XXXX XXXX. 

Citibank is currently reporting the incorrect balance and a failure to pay on my credit report. Since the settlement last year. I have attempted several to contact Citibank and correct this issue, but they direct me to XXXX. 

My lawyer XXXX XXXX contacted XXXX last week, they stated the do not report to the credit bureaus and that is done by Citibank. 

After contacting Citibank several times I can not find a person to assist me and the keep giving me a tun around. 

I have filed several disputes with the credit bureaus but the keep finding in favor of Citibank This has been going on for over a year now the balance is incorrect and so is the payment history with the negative impact on my credit reports.

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 2022-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Basically, I Was Always Following My Payments On XXXX XXXX XXXX XXXX XXXX " PNC BANK '' The XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Had With The Vehicle, They Knew Name Of XXXX XXXX XXXX And Everything Because They've Had Prior History Communicating With Them. The Vehicle Was However Involved In A Total Loss And Gap Stated That They Would Immediately Make The Remainder Payment For The Vehicle Which Is The " XXXX '' Total Of The Vehicle 's Current Value. XXXX Insurance Communicated With Me That I No Longer Have To Make Any Payments On The Vehicle Since They Were Going To Cover The Remainder Owed On The Vehicle Completely Before My Payment Due Date Arrives. XXXX Made Me Late XXXX Months On My Payments I've Never Been Late Lately On Any Payments. So Please Understand, At This Moment I Was Immediately Not At Fault. The Vehicle Was Involved In A XXXX XXXX That Further On Made It XXXX When The Vehicle Was In The Shop For Almost XXXX Months They Finally Told Me It Was A Total Loss Please Review Documents Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
XXXXedloan. PSLF application. Takes over a month to receive replies to email with no response to the concern, just asking for more patience. Been almost 90 days since getting a letter to verify my employer eligibility to move my PSLF application forward. Ive been employed with the same eligible employer per Federal Fin Aid site since 2002 and making payments ever since. There is no reason to hold up my account with no specific response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CA

Complaint narrative:
I have continued for months and months to get Equifax, XXXX and XXXX to acknowledge their inaccurate reporting of my credit file with no resolve. These investigations take longer than XXXX days and no one actually investigates. No one does anything, yet the very reports these companies send me CLEARLY state the dates and yet they are ignored. This is a violation of the FACT Act, XXXX and XXXX. Federal law states negative information is to be removed/deleted after XXXX years yet Equifax continues to report old data thus hindering my ability to obtain credit. I've asked for my XXXX word statement to be added to my file, that too has not been completed and its been XXXX days since mailed to Equifax. Equifax is being negligent in completing this investigation and reporting information correctly. Its not right. I do not know nor understand how much proof I need to send to both Equifax and XXXX in order to get this issue resolved. This has been an entire year of disputing, begging, proving, mailing, its exhausting and draining and unnecessary if someone would lift a finger to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Two years ago XXXX and myself severed cable services due to inadequate services & business practices. When I discontinued/disconnected services from them & returned their equipment. My account was zeroed out and final. XXXX additionally requested that I disconnect equipment that they set up. Ie ; satellite dish, however XXXX refused to remove the actual dish, pole, etc from my property, leaving my property damaged as a result. Fast forward to XX/XX/2022 where I receive a letter at my home ( from collections ), stating there is a balance owed ( Two years later ). I've contacted XXXX repeatedly to request they remove the dish from my property to no avail.

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 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX 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 non-monetary relief
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank has lost money in my business account due to negligence. The location of the money is unknown by the bank and no answers are provided as to when they will find it. 

XX/XX/2022 - a transfer was executed by my company in the amount of {$5000.00} and a separate transaction of {$1400.00} to another bank. 

XX/XX/2022 - bank emailed my business and explain the transaction was halted, and to call customer service. Upon calling customer service the operator told me the transaction was stopped and would have to be reversed. 

XX/XX/XXXX & XXXX - The stopped transfer moneys have yet to be returned and I have contacted customer service at Citizens. No one at customer service can tell me where the money is and they have no record of it being stopped or returned. The bank the transfer was to go to has not seen the moneys in their queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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:
The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020

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