vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This complaint involves Synchrony Bank. 
1. A/C No. XXXX -- XXXX XXXX store card. Balance as of XX/XX/2020 -- {$810.00} -- - Because of twodeaths in the family my obligations increased. Added to this is the collapse of my XXXX XXXX XXXXs. I am forced to be a XXXX XXXX  now. 
I requested breathing space. But Synchrony Bank continued calling at odd hours resulting in no peace in the family. 

2. The second obligation relates to Dentist Services financed by Synchrony Bank. 
The Account No. is XXXX -- Balance {$500.00} to {$600.00}. 
Synchrony Bank was informed that I understand my obligation but I need breathing space and time. Still Sunchrony  Bank keeps on calling at odd hours.

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 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX for them to 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 twofoldvalidation of debt and HIPAA authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC

Complaint narrative:
Apparently a Debt Collection company called Receivable Management showed up on my credit report in 2019. I have since been sending the company letter to delete this collections from my credit reports because I have no knowledge of this account and the account is not mine. The collections amount that is stated on my credit report is in the amount of {$360.00} and it says the original creditor is XXXX XXXX. This can not possibly be my account because I am still with XXXX XXXX. and have been for a while. I have tried to rectify the issue with the collection agency with a letter sent stating the issue and asking them to remove this collections account with the credit bureaus but they have yet to rectify this issue.

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 2021-09-17 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: CA

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 stress 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 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened an account with Comenity Bank Wayfair in XX/XX/XXXX. My payments are due on the XXXX of each month. I submit my payments during the last week of each month prior to my due date. For the XX/XX/XXXX payment, I submitted my payment on XX/XX/XXXX. On XX/XX/XXXX, a late fee credit of {$40.00} was applied to my account. Today, I contacted Comenity Bank to inquire why I was charged a late fee for XXXX 's payment when my payment was not late, and in fact, paid 3 days early. The representative responded that he didn't know why I was charged a late fee. This is very disturbing, despite their correction as an applied credit. 

Further, I checked my XXXX credit report. Despite having a balance, this is a closed account. It appears that Comenity Bank is reporting an available credit amount of {$1600.00} which is inaccurate and erroneously contributing to the total available credit amount on my credit profile. My Comenity Bank statement shows an available credit of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: STERLING BANCORP
State: NY

Complaint narrative:
have a checking acct with them for over 12 years. can not sign on all of a sudden. Nobody to help. Hold times are over XXXX hour. Local branch never returns calls or messages. Want my small balance of XXXX mailed to me via check. Customer service is not available. Want them to close acct now and send check. Cant access my acct to even get acct #. Spoke to lacal branch last week and rep said they would send a link to update sign on, never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I had made several attempts to contact this collection agency for validation of a debt they claim I owe and are reporting on my credit report. 

I sent a dispute letter on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. 

All I have received are copies of a statement. 

I am aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and am simply asking for proof that I am indeed the party being asked to pay this debt, and that there is some contractual obligation which is binding on me to pay it. 

Legal validation consists of the following : 1. Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
2. Date of Last Activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

5. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6. Proof of photo identification ( i.e., driver 's license, state identification card, orother government issued identification card ) that waspresented to youat the time of incurring this debt.

7. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

8. Proof that this debt has not beenwritten off as a tax liability.

9. Any other intimate knowledge of the creation of the debt by you, the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
... ... ... .filled complaint XXXX and it sounds like you XXXX XXXX are trying to charge me for a problem created my that piece of XXXX manager at the office on XXXX near XXXX closed my account WITOUT my permission because she diced not to assist me on a problem that I went in to try and resolve on my Slate account - I want all charges removed from product that I was not advised I would now be charged for close my security box and have any and all fillings with adverse information removed from any and all credit reports- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: OK

Complaint narrative:
In XXXX i took out a loan from a company called XXXX XXXX but soon after had health issues and loss of income which caused me to default on loan and loan was charged off. I had no contact with XXXX XXXX on this loan for over 6 years but did recieve offers for new loans from them. I did not accept any offer. In XX/XX/XXXX i checked my credit report and found a new collection account from a company called Security credit was placed on my report as an open account from XX/XX/XXXX. I did not recognize the account so i disputed its validity thru XXXX on three seperate occasions. Only after the third dispute did security credit send me a letter with originator information and ammount as well as an proposal to settle for 50 %. I have not replied to this as I was never been notified before loan was placed on credit report, and never had the opertunity to dispute this account. I am currently sending a cease and desist letter as outlined in the FDCPA and FDCRA to security credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. American Express will be civilly liable under Title 15 U.S. Code 1692k if American Express failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

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 2021-09-17 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: MI

Complaint narrative:
I have attempted to contact both Equifax and XXXX regarding this issue MULTIPLE times. One month ir reports correct then the next it is back incorrect. I received a letter reflecting that all payments were made on time from XXXX and have sent it to both of these bureaus and they consistently do NOTHING! XXXX received the same information and have since corrected this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I used the capital one ATM located inside the XXXX  XXXX capital one branch. I specifically went to the branch because the other Capital one ATMs located at XXXX  are notoriously difficult to use. Specially they spit out half the cash you deposit and you have to keep working to deposit it. 

On this day I deposited {$1500.00} in cash. The ATM showed the deposit as being {$580.00}. I immediately spoke to a capital one ambassador employee in the bank and informed him what happened. He told me to call customer service immediately and file a claim. I did so. I was told they would reconcile that ATMs funds, look at video footage ect. 

They have denied my claim twice. I went back to the bank branch where the employee remembered well what had happened. He tried to call the customer service line with me for almost 2 hours. He grew incredibly frustrated as the overseas customer service line kept dropping our calls, misunderstanding us, and refused to explain what they had done to research my claim. He told them repeatedly he was there during the incident and could vouch that it had happened. He called his own branch manager and all she could do was tell him to call customer service. 
He was as appalled as I am that capital one did not so their due diligence here. They did not contact him to verify my claim. Did not look at the video footage and it is impossible they reconciled the atm from that day as it contains {$1000.00} cash extra! 

Please help. I am a single mother and have a capital one checking account, 3 savings accounts there for my children and 2 credit cards w capital one. I can not believe that they can just so blatantly steal my money this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
XXXX has received a certified inquiry validation letter from me as of XX/XX/XXXX. This company has not provided strict proof which includes my original signature. I requested the removal of XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX ( see one example in attached documents ). Only XXXX or the other has been removed from at least one of my credit reports since XX/XX/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 2021-09-17 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: VA

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

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 2021-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In the process of refinancing a home mortgage. Closing is being held up because Wells Fargo has been stalling in closing a home equity line of credit that has a XXXX balance. This line of credit has NEVER had a balance because it has never been used. I have written and spoke to their bank reps everyday for the last 2 weeks. They keep saying it's being expedited and the process takes 1-3 days... then someone else says 3-5 days ... Their inconsistency and incompetency is costing me time and money.

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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is a formal complaint against Capital One, the credit company I have a personal credit card with, for sending private information of hotel guests to other guests who are staying at XXXX XXXX XXXX in XXXX XXXX, IL. 

On XX/XX/XXXX, I have received a packet of documents from Capital One. The packet was mailed to my home address with personal and private information of one of the hotel guests- XXXX XXXX whom I don't know. The packet sent to me included his full legal name, the company he works for, his hotel room number, his car 's license plate number, his signature, credit card information, etc. I have attached few pages here out of 47 to show you how reckless this incident is. 

I have no idea why Capital One disclosed XXXX XXXX 's secure information to me but I am now very concerned about my safety as a female who lives there alone. I fear that my private information has been revealed and sent to other hotel guests by Capital One just like XXXX XXXX 's ended up in my mailbox. 
Although my reservation at this hotel was booked till year XXXX, I will be moving out in a few days and checking out early, because of this safety and privacy breach. 


Please investigate this incident as it is a serious violation of hotel guests privacy policy and let me know how it can be avoided in the future. 
I will be happy to provide additional information if need be. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation