vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: NY

Complaint narrative:
Equifax has provided reports to my creditors stating that my credit file includes serious delinquency, judgment or collections activities. I ordered my file from them on XX/XX/XXXX and confirmed no such info was present. Thereafter I was advised by reports from XXXX and XXXX that reports received on XX/XX/XXXX and XX/XX/XXXX still reflect that negative reporting. I have called them and they referred me to contact those creditors to dispute. On XX/XX/XXXX I requested a copy of my Equifax score. It notes code 202 one or more major derogatory events on my file. Today I worked with a representative at Equifax for an hour and a half before he disconnected me. He continued to try and assert that the note must reflect credit utilization. I advised that it didn't because that is referenced in code 178. He found no negative information on my file and disconnected the call when I requested a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I had a credit card with Barclay 's Bank Delaware in XXXX, during that time I got XXXX and my wife at the time didn't take care of the responsibilities. The account was closed in XXXX and the balance charged off was {$1400.00}, but I'm being charged {$1900.00}. I recently lost my XXXX XXXX because of this negative mark on my credit report, I've been trying to contact the company for the last 4 days and some foreign guy always answers the phone after me being on hold for almost an hour and then he is no help. I wanted to try to pay off the account and get some conformation, but he refuses to take a payment over the phone and refuses to give me any documentation about trying to correct the issue.He puts me on hold again and says he will transfer me, but I only sit on hold again for another hour just to be transferred again. I'm trying to get this issue resolved ASAP, but I cant get any assistance from this company.

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 2021-10-13 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: OH

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give 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 ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have inquiries on my report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navy Fcu XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have inquiries on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, My name is XXXX XXXX I recently purchased a cashiers check from the XXXX and XXXX location in XXXX De, the fee was {$8.00} the amount was XXXX written out to XXXX XXXX  I was informed I needed 2 separate cashiers check to go back to chase I went Tuesday XX/XX/12 the same teller had me sign the cashiers check her manager XXXX whos the branch manager came over wrote on the check not used for intended purposes and told me my funds would be available the next day. Today is that the funds are not available I was told to call XXXX option XXXX cause it was hold on the cashiers check they would remove it, I waited on hold 1hr and the representative got back on and said my account is being restricted and closed not sure no answers and the branch hasnt returned my call. These funds was for me to close on a property yesterday and I really need the balance no one could give me any reasons and at this point I just want my funds released and to be done with chase. I was at the Branch on Tuesday for 40 min while the branch manager XXXX attempted to assist me and today I spent an hour on hold to be told My account is being closed. Please help this is holding my funds hostage. 


XXXX XXXX Sent from XXXX for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: SD

Complaint narrative:
On XX/XX/XXXX  a wire transfer for XXXX was taken from my account. On XX/XX/XXXX  I was notified by the card company via email that my pin was changed. I immediately got online and found that a XXXX wire transfer was done on my account. I did not authorize or complete this transaction myself. I immediately changed my pin and password, called the card company, cancelled my card, and reported the theft. The card company cancelled my card, reissued a new one, and sent me paperwork to file the theft claim. I received the theft claim paperwork on XX/XX/XXXX  I immediately filled it out and faxed back to the company. They never received it. Apparently I was given the wrong fax number. I then put the paperwork in the mail. I called daily for 2 weeks before they received my claim. They told me Id get my money back on my card within 45 days. They told me to call every 24 to 48 hours to check my claim. The first time I called, they said my claim was denied and closed. I request the information they used to close and deny my claim, but they couldnt tell me. I asked to speak to a supervisor, they said they dont have a supervisor. They finally reopened my claim and again told me to call every 24-48 hours. I would call and be on hold from 1 to 2 hours every single time I called. Nothing was ever done for 3 months, always being told my case was still being investigated. I quit the daily called in XXXX. I would call every week after that and still not result. Finally on XX/XX/, I was told by the card company my case was once again denied and closed. I have been asking for the account number where my XXXX was wire transferred to and they would not give it to me. Finally on XX/XX/XXXX  I was give the routings number and account number to where my money went. I called the XXXX bank in XXXX XXXX, sd where my money was wired to and asked about that specific account and told them about the theft from my account. They told me that specific account was flagged and closed on XX/XX/XXXX  for fraudulent activity and flagged by their dispute team. I call my card company the same day and told them. And requested my money be put back on my card for the 50th time. They transferred me but I was continually hung up on. I called again on XXXX XXXX XXXX  and was on hold for 3 hours before I finally gave up. 

Apparently my card company did not investigate this theft, otherwise they would have found out the theft account was closed and flagged for fraudulent activity. I had to do it on my own. 

I am requesting your assistance in recovering my money. It was my unemployment benefits. The only money I have. I am still unemployed and have no resources. Please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Someone called and stated they were a debt collection agency and that XXXX sent them my debt for two hundred and something dollars. I paid XXXX for 1 year worth of Auto insurance up front a few months ago. So there's no way I owe them a debt. I was also never contacted by XXXX or received any mail from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
XXXX in equipment returned XX/XX/XXXX. As of XX/XX/XXXX according to XXXX customer service rep, XXXX credited my account {$1400.00} for equipment returned. XXXX did remove the debt from my credit but then sold the account to EOS CCA. I spoke with EOS CCA and they will not remove this debt from my credit report and they have it listed as a new collection when XXXX last reported XXXX XXXXAttached is a copy showing the equipment was returned and the last reported date from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have disputed this fraudulent account with EQUIFAX for months now. They have violated my rights and continue to do so! I don't understand what EQUIFAX is doing with my records but they are using my information and furnishing fraudulent information to harm and damage my reputation. On XX/XX/2021 I notified EQUIFAX by post mail of the information needing to be deleted immediately. I got a confirmation from EQUIFAX that the account had been in fact deleted. I received this confirmation TWICE! See exhibit A for proof. I received a copy of my consumer report today, XX/XX/XXXX, and have found that EQUIFAX has AGAIN furnished this account on my report! I have never received any notice from EQUIFAX regarding this action nor did I ever authorize or give consent to EQUIFAX to furnish this information. THIS IS IMPROPER USE OF MY CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
I settled an outstanding debt with XXXX, the assigned credit collection company by XXXX XXXX. Payment was a lower amount, and was for payment in exchange for PAY FOR DELETE. 

Attached are the payments receipts, and I received verbal confirmation from XXXX agent on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage has been in receipt of my loan modification docs since XX/XX/2021. 
They have not communicated the status of my loan despite repeated calls and requests. 
They informed they had 45 days to complete the modification. 
It has been 68 days without any status update.

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am a victim of identity theft and I never entered a consumer transaction with XXXX XXXX XXXX nor have I ever even heard of Credence Resource Management. After consulting with my legal team, I have been instructed to reach out to Credence via the CFPB and registered agent. I have mailed the registered agent via certified mail asking for certain information to validate the debt. I have the right to full material disclosure as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC
State: NY

Complaint narrative:
Years back, I brought a car from XXXX XXXX, XXXX, located atXXXX XXXX XXXX, XXXX, NY XXXX. The vehicle was financed through XXXX XXXX, XXXX was found to be a predatory lender, and I was part of a complaint filed against them in 2016. XXXX still has outstanding complaints with the XXXX. I was told by XXXX and sent a letter stating that the lone was canceled and that the information would be removed from my credit report, and it was. About two years later, I got a call from someone at Collins Asset Group , Llc, located at XXXX XXXX, XXXX, TX XXXX XXXX When I explained to them that the debt was with XXXX and that the lone had been canceled and I informed them of the ruling, I didn't hear from them. Later I found out Collins Asset Group , Llc reported me the credit agencies. When I contacted a lawyer, I was informed that XXXX XXXX went out of business and that the statute of limitations had run out to collect on this debt. Given all this information, Collins Asset Group , Llc, is still pursuing this debt, and I have written many times asking them to remove the false information from my credit profile. And in a recent phone call, Collins Asset Group , Llc did not inform me that the statute of limitations had run out to collect on this debt and instead tried to get me to agree to a payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC is attempting to collect a fraudulent debt from me. The fraudulent debt was originally purchased from XXXX XXXX. I have asked for the original contract, payoff disclosure, balance history, payment history and credit insurance history. To date I have not received said items. My credit score has been negatively impacted by the harmful practices of LVNV Funding LLC ( Re-aging credit accounts ). I am requesting that CFPB corrects the wrongs of the collection agency and restores my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX Z SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Synovus Bank
State: FL

Complaint narrative:
I have reached out several times with written correspondence regarding this matter. The information being reported is totally incorrect and a resolutionhas not been provided after months of trying to work with XXXX and XXXX, XXXX XXXX XXXX. 

First and foremost the open date is incorrect. XXXX is also reporting that this card had a {$0.00} limit and is saying a payment was made XX/XX/XXXX, while XXXX and XXXX are reporting a payment was made XX/XX/XXXX. I have asked for this information to be verified with no verification. 

What is most dishearteningis XXXX has no payment history, and XXXX has the account Charged Off since XXXX of XXXX, while XXXX is reporting the account was charged off XXXX of XXXX and then marked " ok '' from XXXX of XXXX Until XXXX of XXXX! 

It should be very clear this is being reported INACCURATELY. 

This account has also not been marked as disputed per Section 623 ( a ) ( 3 ) of the FCRA

Company response to consumer: Closed with explanation