vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
barclays XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

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 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I dont know how they say am owning that such amount I never go the any hospital without my insurance card or without my insurance taking care of the situations, now they saying I own almost $ XXXX and they reported me to credit collection or sold it to credit collection to downgrade my credit scores.

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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: SC

Complaint narrative:
I get repeated calls from several numbers and have been trying to track who exactly is trying to collect a debt. Apparently they say the company 's name is ZFN & Associates. They say to call XXXX back on the voicemail but a XXXX is on the caller ID. Finally, this morning XX/XX/2021 at XXXX XXXX  I call them back to get the name of the company, of course, they talk extremely fast and I politely asked for whoever answered the phone to spell the company name. He was EXTREMELY RUDE and hung up on me. After researching ZFN & Associates I see they are connected with XXXX XXXX XXXX XXXX XXXX. 

I never confirmed whether I was who they were looking for. I wanted to send them a cease communication letter because I do not want them to call my phone number or anyone associated with me EVER again over the phone. I rather this company communicate with me through the mail, but after today I do not want any communication because they are rude and I will not do business with anyone or a company that doesn't know how to properly communicate with people. I do not acknowledge whether or not the debt they are collecting is mine, or not. But they need to be shut down. It's absurd and they should have another line of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: J. Ritter Law P.C.
State: NC

Complaint narrative:
Please see attached documents, In the same exact letter J Ritter stated that they reached me in attempt to Collect a debt owed and that All written communications are from an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: VA

Complaint narrative:
first interstate credit card reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

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 2021-10-07 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: VA

Complaint narrative:
XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

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 2021-10-07 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: 21ST MORTGAGE CORP.
State: AR

Complaint narrative:
21st mortgage is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX  and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On Friday XX/XX/2021 I attempted to call JC Penney/Synchrony Bank about settling the amount on my account and closing it. It is recorded on my credit report. I was transferred to a different department which had a pre-recorded message stating it was outside of business hours but did not state what those business hours were. I called back the number I was given to directly reach this department and I still received an automated message on Saturday. On Saturday afternoon, I was LIED to that this Department was still accepting calls and was not told it had entered an upgrade status. They placed me on hold and disconnected my call. I attempted to call again on Sunday, with no success. On Monday XX/XX/XXXX, I spent hours trying to talk to someone about my account. They gave me the run around and I was able to reach someone after begging to speak to someone anyone about my account. The system is down for 3 more days until XX/XX/XXXX. As a financial institution, I am owed a fiduciary duty as a customer attempting to settle debt. I spoke to a manager who clearly stated that it was a tough decision to bring the server down and admitted the system had been down since over the weekend, which was not disclosed during the many calls during the weekend or on Friday. The manager first stated they were not open during the weekend, so I apparently have to make hour long calls during two days of which their system is fixed. This is unacceptable, especially as a financial institution, unable to manage accounts during regular business hours, intentionally deceived, and not one person able to speak with me about my account. A normal financial institution should post hours they are not in operation. This was not posted on any of the websites, let alone the representatives having no knowledge the system is down. Im sure they are collecting interest on amounts due even though they have no one to manage accounts or even talk to customers. 

When I called while the update was completed, they still indicated they can not access my account due to technical difficulties. They are still collecting interest on amounts due and are reporting these activities on 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 non-monetary relief
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  XXXX  XXXX  XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

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 2021-10-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

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 2021-10-07 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX  is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed transunion and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my 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 2021-10-07 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: AR

Complaint narrative:
XXXX XXXX is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX and equifax are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capital one pottery barn lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and XXXX about this and still no correction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MI

Complaint narrative:
On XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.

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 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I worked hard to pay off all my student loans. But I applied for a mortage in the spring and is says on my credit report I'm 90 days late. I call Navient they say, oh no there is one more. I'm on an auto draft and there is no payment due because of covid. My account is in high standing. He promised to take off the 90 days late ( Since I am not late. ) and the draft would begin again when it was due. I just applied for a debt consolidation loan yesterday, 7 months later. Navient is still report 90 days late. No address for me to send to and no one clearing it up. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and equifax about this and still no correction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
Dept was paid and I still got lot of arrasment calls every time sold it to third parties and wrongfully reported issues with my credit report to downgrade my scores on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/2021 there was an unauthorized transaction on my account at Navy Federal Credit Union. When I called to report it I was put on hold and the problem was not resolved. The phone operators were rude and kept putting me on hold and never returning to the line. The following morning I physically went in to the branch to file a complaint and they issued me a new card. With that card I started payments on my XXXX car insurance until there was fraud again. When XXXX tried to process a payment for {$220.00} the payment did not process and XXXX contacted me that another payment was due for {$330.00}. I paid that with new card only to find out that 2 payments processed. When I asked NFCU to stop the processing on XX/XX/XXXX they refused. I called back on the XXXX of XXXX and they still did not process a refund until XX/XX/XXXX th. Now NFCU is saying I will have no funding for 10 days. NFCU refuses to give me my money back and was put on hold 6 times by customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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: SC

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.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: NV

Complaint narrative:
On XX/XX/XXXX, I applied for a secured credit card from First Progress. 
On XX/XX/XXXX, I paid First Progress {$2000.00}. My Credit Card Available Credit was to be adjusted to {$2000.00} First Progress agree to send a credit card for this account within 2 weeks from the date of my payment on XX/XX/XXXX. 
First Progress did not send a credit card until 30 days later. 
When I received the credit card and attempted to activate the card, First Progress claimed the card had been deactivated and a new card had been sent to my address. 
I never received a second card. 
I called First Progress to request a new card. 
First Progress still never sent a new card. 
After more than 60 days had passed, I demanded that First Progress close this account, remove it from my credit report, and refund my entire {$2000.00} payment. 
First Progress Authorized Representative agreed to close the account, remove it from my credit report, and refund my entire {$2000.00} payment. 
As of XX/XX/XXXX, First Progress has since requested a refund of the amount they returned to me and they have reopened this account fraudulently after closing the account. 
First Progress now has {$2000.00} of my money and refuses to provide access to this account, provide a valid credit card, and they refuse to refund my entire payment. 
I am now in distress and suffering financially because First Progress has caused my checking account balance to be negative {$2000.00} and I have no access to the funds they claim are available via a credit card account I do not have access to.

Company response to consumer: Closed with explanation