vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
In XXXX of 2001, my ex-husband and I signed up with XXXX ( XXXX XXXX XXXX ) to store my new born XXXX  XXXX XXXX  We paid several hundred dollars for this initial service. Approximately two years ago, XXXX contacted me via cell phone and told me that in order to continue the freezing service, we would need to start paying approximately {$100.00} a year and I told them that I did not want to continue the service. Last night I received an updated credit score from my credit card company and my credit score dropped from XXXX in XXXX to XXXX in XXXX because XXXX sent my account to collections, even though I told them that we no longer wanted to continue using their service and I did not receive a bill from them. XXXX told me this morning on the phone that they emailed a document to me that required a signature to discontinue their services and when I asked them to produce proof of the email, they could not. The collections company, AWA Collections XXXX XXXX CA told me on the phone that they couldn't do anything until XXXX tells them to remove the claim. AWA can not have any documentation justifying filing this collection because there was nothing ordering the continuation of this service past the originally paid service!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MO

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

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 2021-10-05 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: Garcadia Financial LLC
State: MO

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
My medical debt was reported before the 180 days grace period. Collection account sent to credit burea in XX/XX/2021. Reported to credit bureaus XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: DISCOVER BANK
State: MA

Complaint narrative:
This account is being reported with repetitive XXXX marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am trying to get a mortgage loan but on the merged credit report, it is not getting the correct information for Equifax. XXXX and XXXX both have my SSN and correct information, but Equifax has my brother 's information in the report. I have tried to file a dispute through Equifax ( XXXX ) but my MyEquifax account is not able to be accessed and I have not been able to get Equifax support 's help with it completely. When I try to verify my information with Equifax 's automated system, it asks questions about credit that is not relevant to me. When I try to get another merged credit report with XXXX, it won't allow me to set up the XXXX account either because it asks security questions that belong to my brother 's credit. I believe there is some kind of mix up deep in my Equifax file because I am having various issues relating to their information and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MECHANICS BANK
State: CA

Complaint narrative:
I have been in communication with XXXX since XXXX of this year to not only pay the balance listed on my and my husband 's credit report but to ask them to remove the now paid account entirely. Through much trial and tribulation, I have been met with vague answers and inconsistencies. We paid the balance legally reported but since we did not pay what they claimed we owed, they REFUSE to remove the account from all 3 credit bureaus. Now the one person who is apparently the ultimate decision-maker has replied to my request with facetious comments. We did our part by paying, I simply just want the account removed as per the California Statute of Limitations allows!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: U.S. BANCORP
State: MA

Complaint narrative:
This account is being reported with repetitive XXXX  marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead corporation. FIFTH THIRD BANK has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like USPS which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$8900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is XXXX XXXX XXXX sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors  can not acquire consumers location without the consumer consent. I never gave XXXX XXXX my information. I gave it to XXXX XXXX TX, XXXX and not XXXX XXXX XXXX. XXXX XXXX XXXX also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. XXXX XXXX XXXX said they are not governed by the FDCPA which is false and misleading information which can result in FIFTH THIRD BANK Being Liable for damages. FIFTH THIRD BANK sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy. FIFTH THIRD BANK sent me coupon book. Defined in Truth in Lending Act 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My debt should be paid by my coupon books. FIFTH THIRD BANK also reported negative and misleading information on my consumer report after I send a cease and desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MI

Complaint narrative:
The accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX XXXX first regular letter sent to Capital One headquarters, no response. XX/XX/XXXX XXXX certified letter ( XXXX ) sent to Capital One headquarters, no response. XX/XX/2021 second certified letter ( XXXX ) no response. Both addressed to the CEO XXXX. Refusing to resolve issues at hand. Capital One requested information proving I ( His son ) was eligible to make account adjustment in my fathers behalf who is a XXXX veteran. Information was sent via email and later was told this wasnt the correct way to submit the Information. Capital One refuses to respond to my fathers request in regards to getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Lenders are not able to pull my credit from Equifax. I have spoken to them by phone 8 times in the last thirty days. Two lender were unable to get my Equifax credit score. I contacted Equifax and they advised there is no hold or freeze on my account. I faxed them all the information to verify my address and name. Call them on the phone is no help they just repeat the same thing. 

Equifax is ruining my life. I need a loan to get my work truck fixed so I can earn income. Yesterday XX/XX/2021. I received mail from Equifax saying there is no fraud alert or active freeze on my account. so why cant lenders pull my Equifax credit?? They don't care. If you ask to speak to a manager they put you on hold for 45 minutes. I would like to file a complaint. Attached is a copy of they letter they sent me. If I don't get this cleared up I will lose my business. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing on my own behalf without the help of any outside person. The laws referenced are available to the general public. I am aware that my rights were violated and are continuing to be violated in bad faith. 

NAVIENT is engaging in deceptive and abusive debt collection practices from the inception of the alleged business relationship, violating my consumer right to privacy, and undermining my confidence in the banking system. 

Since the consummation of the credit sale occurred after XX/XX/1977, NAVIENT is subject to consumers ' claims and defenses pursuant to 16 CFR 433.3. 

As defined in 16 CFR 433.1, NAVIENT is a seller subject to consumers ' claims and defenses. When the original credit sale was consummated, I, the consumer, was unaware of the seller 's business arrangement with the creditor, nor given disclosure about the determination of the finance charge along with my right of rescission. Upon review of the master promissory note, I have reason to believe and do so believe that my obligation was settled, leaving me with controlling security interest. 

I am aware that I am entitled to twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being simply and clearly disclosed to me. 

I have reason to believe and do so believe that NAVIENT is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). 

As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' NAVIENT has never received my express consent to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c, generally. 

In light of indirect communication through the consumer reporting agencies after the character, amount, and legal status was in dispute via formal notices of dispute, I am invoking my specified remedy pursuant to 15 U.S. Code 1692c ( c ). 

NAVIENT has violated my cease and desist orders and communicated with relatives without their consent on multiple occasions. NAVIENT has violated 15 U.S. Code 1692e ( 7 ) by making the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

NAVIENT has furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that NAVIENT has uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Nelnet, Inc.
State: NV

Complaint narrative:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have a business checking account with Chase. I moved and live overseas.

My account being locked 4 times in the past few days for security reasons.

The only way to release it is by calling the XXXX  XXXX XXXX team. The holding time for the past four days is grater then 50 min. Last week I was successful reaching them after 30 min and they released the account. The next day it was locked again. That was last Tuesday. Since then I called at least seven times, waiting on an international calls 30-40 min before being dropped.

This is unreasonable waiting time. I am not sure if there is any consumer protection law in the US for the amount of time a bank can keep you on hold. In XXXX it is less then six min.

I have been holding now for an aggregate of 150 min now and still haven't get a hold of this department.

Company response to consumer: Closed with explanation