vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brennan & Clark, Ltd., LLC
State: CO

Complaint narrative:
Services were cancelled ( formal cancellation XX/XX/XXXX ) with a company ( XXXX ) that came out of bankruptcy in middle XXXX, but continued to bill on discontinued services. XXXX elected to pass off charges for services not provided to an collections attorney, Brennan & Clark | Commercial Collections Agencies. Brenan and Clarke did not introduce their association with XXXX ( first voicemail received XX/XX/XXXX ), just said I owed money. I thought they were scammers because they never said what it was about?. It took a awhile for them to actually affiliate themselves that they are coin collectors and such for XXXX. 

It was frustrating that Brenan and Clarke never explained their cause or intent and I just owed money ; and when I pursed explanation they waffled in any explanation that made no sense. 

Since, I've paid XXXX what they charged me for services they never provided, but I am down the road. Unfortunately, Brenan and Clarke appeared as usual hackers saying I owed money. Seriously, Brenan and Clarke could have easily created a method communication that was different than " hey you send me a check ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: TN

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I did not grant you authorization to review 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 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 company opened a collection Account # XXXX I have never signed any written document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Equifax Mortgage Solutions, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is regarding LVNV Funding LLC, I had closed account wXXXX  XXXX & XXXX ( known from previous incident involved/investigation XXXX XXXX account that has been removed because illegal practices when reporting to credit bureaus ) which was charge off then discovered that LVNV Funding opened on XX/XX/20. I didnt respond or acknowledged that the account was mine because the information that was given about the account wasnt accurate therefore ; I became suspicious because they had initially been contacting me either unknown number or different numbers which caught me off guard. Then when I finally contacted them to address and inquire the supposed debit of account they were very stand offish and rude as well as unprofessional. They basically said that the information they was valid. I could dispute, but will remain on credit until they were paid. In response I told them to no longer contact me via phone instead only by via certified mail in regards to account in question. Also disputed the derogatory comments/remarks left by LVNV Funding , LLC. At first I had notice on my credit reports that I it was reported twice for same account which is illegal & has since been removed off my credit report. I would like for this LVNV company to be investigated for inaccuracies & incorrect information that hasnt been updated or confirmed regarding this supposed account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: WY

Complaint narrative:
I sent a dispute letter asking for proof, don't contact me, provide liscense, etc., that was delivered via certified mail XX/XX/XXXX. The debt amount they have is incorrect, because the original creditor dropped the ball.They haven't checked their mail or something because when I spoke to them, they said they " hadn't received it ''. I asked them to stop contacting me today, XX/XX/XXXX after I received XXXX calls in a row from their robo dialer at XXXX am. They said they would stop contacting me until XX/XX/XXXX, at which time attempts would continue. 


Then I received a notification that my auto-blocker had blocked the number I flagged. They called XXXX times from the same number between XXXX and 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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/2020 {$69.00} each day I have attached the information regarding the situation. 

I have been fighting this for over a year and have provided proof of what they asked. They have yet to provide proof on their end, as they just keep sending a letter stating that the charge is valid. The charge had a different phone number, as they asked me to provide proof of my phone, which I did and they said they would take care of this fraudulent charge. This charge is fraudulent and I even paid to get it notarized that everything I am stating is true and the XXXX charges are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX MXXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 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 2021-12-15 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: NY

Complaint narrative:
I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also Equifax stated that they verified my information but have failed to respond to my request for a Method of Verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a XXXX of XXXX letter.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies reflecting on the documentation attached for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was incarcerated ( imprisonment ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX we began a traditional mortgage refinance with Citibank. Our refinance loan was approved in XXXX of XXXX and the closing was scheduled for early XXXX. The day before closing Citibank had not provided the lawyer with necessary documents so the closing was rescheduled for the following week. The following week Citibank had still not provided the documents to the lawyer so the closing was again canceled. A week later Citibank notified us that they had switched systems internally and had to move our loan and loan documents into the new system. They informed us that we would not have to provide any additional documents and that they would take care of all of the transfers while honoring the original terms. This turned out to not be true, documents that had already been provided were asked for again. Further more Citi asked for new documentation that had not been asked for in the original loan package. In XXXX of XXXX Citi reversed its decision and told us our refinance was no longer approved. ( An action that falls under deceptive mortgage practices ). When we complained to Citibank stating that our loan had previously been approved and they can not reverse this decision they reopened our file. Since then ( XXXX ) Citibank has continuously asked us for documents. Very often the documents being asked for have been provided or addressed multiple times. XXXX employees have apologized and told us they dont understand why our refinance has not been approved. It seems Citibank is using a circular request for documents as a stalling process and means to not approve a previously approved loan, this has also corresponded to Citibank learning that I was XXXX and planned to take XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX issued me a check after closing out my deceased father 's checking account. They sent me a check for {$7300.00} but it was stolen on XX/XX/2021. My signature was forged and the check was cashed at a Chase location. 

I submitted a Declaration of Lost Cashiers Check and a notarized Claim of Forged/Unauthorized/Altered Check Declaration to XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021 Chase told XXXX XXXX XXXX XXXX that they would issue me a cashiers check. 

On XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX saying, " We were notified on XX/XX/2021 That Chase Bank would be sending a check to XXXX XXXX XXXX XXXX. As soon as that check is received by our back office they will notify me to issue you a new check. I will reach out to you as soon as I get the okay to process this. '' XXXX XXXX XXXX XXXX has followed up with Chase on numerous occasions since that date and as of XX/XX/XXXX, I have still not sent the cashiers check. 

I've tried to reach the right person at Chase to complain to but they refuse to give me any contact information. XXXX XXXX XXXX XXXX claims that Chase is now unresponsive to their emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 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: TX

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts 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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I work in healthcare and I work XXXX hour shifts I got off of work at XXXX that evening I got home and proceeded to pay my credit card bills so I went to make my payment and I was getting the prompt that my bill will be overdue because its going to be now processed on the XXXX. Although I am paying it at XXXX XXXX  central time. I proceed to process my payments and then I called in to the company and I talked to a representative. The representative tells me that they dont show any fees but that does not mean that they wont show up tomorrow and to call back tomorrow to get them removed. The representative told me she put a note on my account. ( called back tonight and they say they dont see a note ) I called back this evening after I got off another XXXX hour shift and I am told that my fees can not be waived because they did one prior in XXXX. I proceed to let them know that is not right that I processed a payment on the XXXX which was my due date and because of their rules that it being made after XXXX PM Eastern time which means a XXXX XXXX XXXX for anybody that makes payments after those times are going to be assessed late fees which I feel is wrong in so many ways. They see that I processed my payment on the XXXX so why they would do this to customers and not make it right is beyond me. I have other credit cards that dont have times in place to where a customer will be penalized. I have XXXX credit card accounts and they both are due the same day for capital one. So I have XXXX late fee amount that have been put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased shoes over the internet from XXXX, which were too small, and which I paid by a using a Citibank credit card. The merchant 's policy is that a customer must advise them through their website of the return, they will email the necessary return label so they can track the return, and will then credit the account when they receive the return. XXXX would not process the return, so I disputed the charge. Citibank 's preliminary investigation went against me because XXXX told them I had not attempted to return the shoes while not telling Citibank that I was unable to get it to process the return. I then sent a more detailed letter to Citibank, per its request. On XX/XX/21, Citibank simultaneously emailed me that the dispute was still open and issued a letter saying that the dispute was closed. This is problem one. Problem two is that the reason given by Citibank was not I had not provided a credit slip when the basis of my complaint against XXXX was that they would not process my return and give me the credit slip. Citibank obviously did not investigate m dispute and found against me pro forma. Sending me a contradictory letter and email on the same day about the status of my dispute is unacceptable.

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