vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I made a purchase at XXXX on my credit card for a trip that ultimately had to be canceled due to COVID-19. After several weeks of attempting to contact XXXX I called Capital One to file a dispute. They opened the dispute and shortly after, I received confirmation from the merchant they were processing a refund. 

I contacted Capital One to reverse my dispute but they said I had to wait. For some reason, Capital One also credited my account two times for the dispute. I contacted them to get this corrected on XX/XX/XXXX and XX/XX/XXXX and both times was told I would just need to wait for those credits ( disputes ) to be reversed. So in short, my account had 2 credits for the dispute and the refunds from XXXX. 

I attempted to get a check issued for the refund, the money I am rightfully owed several times. Now, they have reversed the disputes in an amount equal to 4X ( recapturing the dispute 4 times ) and also captured the refund on my account. 

I should be entitled to a refund check but it appears, when I log into Capital One that I owe them money. 

I contacted them again today to get it fixed and they opened a new case but they said it could take a month to resolve. 

I have been trying to get the money I am owed back for several months now and they just mess up at every turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was recently approved for a pen fed {$15000.00} credit card and I received the credit card terms and conditions in the mail. The terms states that at the time of fraud we will be liable for the charges and we can not make Pen fed liable for the charges, can not take them to the court and have to indemnify them from any kind of liability. 

I think this is mean and one sided agreement and goes against the laws of America. 

They also do not have arbitration agreement for their credit cards, so it is a win win situation for them and a losing situation for the customers. I am completely surprised how can this company be so greedy, self-centric and mean? 

They have also send me a letter which states that I abide by the credit card agreement if I don't cancel the credit card within 30 days, what is this? 

this is a fraud. and I tweeted this credit union, they replied me with a very unusual answer, their customer service number is not working. 

After that Penfed blocked me on Twitter ( please see the screenshot ) What does the Penfed wants? Penfen wants the customer to go crazy if a dispute happens between customer and penfed? What will the customer do if can not go to the court? ( please check the screenshot of penfed agreement )

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 2020-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a Macys credit card, purchased an item online, returned item in store. Refund was never made and account was reported as delinquent. Contacted Macys for refund, which was done but reporting on my credit was never removed

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These Accounts are Fraud, I have no Knowledge of all accounts on this Report no one has any Consent to open any accounts without my Authorization THIS IS FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Accounts are Fraud, I have no Knowledge of all accounts on this Report no one has any Consent to open any accounts without my Authorization THIS IS FRAUD!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NJ

Complaint narrative:
On XX/XX/2020 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " AmeriFinancialSolutions LLC ( AFS ). '' The company received my letter on XX/XX/2020 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I received a response back from AFS and they provided me with an itemized statement. They didn't provide me with what I requested in my letter so I can verify the debt. I mailed another letter asking for my proof and I haven't received no response and I'm asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. I have attached all the documents to prove my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I have tried to dispute the account multiple times with the credit bureaus and collection agency that it was not my account and it belonged to my ex-husband and I have not been sent any proof to validate that it was my account and I have also reached out to the original creditor and was advised they could not locate me in their system in order for them to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
ACCOUNT # XXXX. Now you should be able to find the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Bank is not allowing me to connect my account with XXXX for early payouts to help with bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX, XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX, XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX, XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed information on my credit report with XXXX   beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

Experian has continued to report this invalidated information with is a direct violation of the FCRA. 

XXXX has continued to report this invalidated information as well.

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 2020-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: IL

Complaint narrative:
My Way2Go prepaid Mastercard ( goprogram.com - XXXX  child support ) expired and I did not receive a replacement card. The only way to contact them for replacement is on the phone number listed XXXX. When calling I either get a heavy call volume call later message or when I get into the queue ( once every 10 tries ), after waiting for a while I get disconnected. This happens any time of day/night I tried calling their 24/7 line at XXXX XXXX, XXXX XXXX  etc and its always the same. It's been a month now and there's no way for me to get my child support money that's on the expired card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Two dept collection agencies ; Account Resolution Service,  XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from 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 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX IS NOT ADA ACCESSIBLE. Federal Trade Commission Website CONSUMER INFORMATION. see attatched FTC ID Theft case XXXX XXXX   provided NO ACCESS. FTC You may view FTC Website on line. Question 1 ) Have you been billed for merchandise you never recieved? I ANSWERED YES. FTC explains Mail Internet Merchandise Rule & Fair Credit Billing Act YOU DON'T HAVE TO PAY FOR MERCHANDISE YOU ORDERED BUT NEVER RECIEVED. see attatched CRIMINAL INVESTIGATION. Letter dated XX/XX/XXXX USPS deliveries not made US POSTAL INSPECTION. see attatched EQUIFAX CREDIT REPORT. EQUIFAX has a duty to Consumers to VERIFY WITH WRITTEN DOCUMENTATION SIGNATURE & ACCEPTACE OF DELIVERY THESE ITEMS WERE DELIVERED INTO MY HANDS. ( XXXX REFUSES DOCUMENTATION OF ACTIVATION DATES OF THESE NEW CARDS ISSUED. endings XXXX XXXX XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX ALL REPORTED TIMELY BY PHONE MY ONLY OPTION WITH NO XXXX ACCESS. ) see attatched XX/XX/XXXX XXXX LETTER ALLEDGING THOUSANDS OF DOLLARS WERE DENIED NOT REPORTED TIMELY. Provide verified documentation these goods were delivered into my hands. ** XXXX illegally collected on this ID Theft and DESTROYED MY CREDIT. See attatched XX/XX/XXXX of collection XXXX   DENIED MY CLAIM ( see attatched XX/XX/XXXX Letter XXXX AND EXPECTS PAYMENT. EQUIFAX HAS DUTY TO VERIFY WHAT THIS BANK DID NOT OR REMOVE. PER FAIR CREDIT ACT PROTECT FOR CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I visited the SEARS on XXXX XXXX in XXXX XXXX, CA to make my payment. Unfortunately, the store closed. This store has been here in our community for over 30 years and is how I make my payment every month. I later made arrangements to make the payment via the internet. I've been a sears client for a very long time. I reached out to sears customer service but they did not help me what so ever. I was charged a late fee of {$28.00} On XX/XX/2020, I was on hold with Sears to discuss this matter and to make my XXXX payment. I was on hold for over 2 hours. My phone died and was not able to drive home on time to use my computer and make my payment on the internet. I was charged yet another late fee of {$28.00}.

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