vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: WI

Complaint narrative:
The nature of my concern : XXXX XXXX XXXX XXXX received and cashed payments ( {$1600.00} ) for over two years and did not post the payments to the account. instead, they stole my money and placed my account into collections deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My name is XXXX XXXX and this my 4th complaint against XXXX associates this is not a duplicate

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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was wrongfully closed and my money in the account taken

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: IL

Complaint narrative:
I am a natural person, I am a living human being, and this matter has affected me tremendously emotionally, financially and mentally. I have not been able to get a promotion on my job due to the improper use and reporting on my credit report. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they've violated my rights numerous of times. I demand the accounts listed below to be removed from my credit report immediately.

Being that according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I hope this matter is taken care of before I seek legal counsel. Thank you. 

Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
On XX/XX/2023 a certified letter was sent to equifax informing them that there was a number of inquiries on my credit report that was not authorized by me. they recieved the letter and to this date they have NOT removed these or inquires or have responded to me in any way. Im asking these inquires be removed and equifax be fined. 

This lack of doing the right thing has cost me a denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received a letter from Resurgent Capital Services alleging that I owe them a debt. I have never heard of this company or did any business with them. The letter they sent me included multiple violations of my consumer rights.

15 U.S. Code 1692 ( c ) ( a ) Communication in connection with debt collection.

15 U.S. Code 1692b ( 2 ) - Acquisition of location information.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information.

15 U.S. Code 1692d - Harassment or abuse.

Resurgent claims that they purchase the debt from XXXX XXXX XXXX. ( XXXX XXXX XXXX has been paid ). A letter of assignment was requested showing that they have been assigned to collect the debt and a validation of they debt, but the information was never furnished to me. Resurgent sold the debt and place the debt on my credit report without proof of ownership and a debt being owed to Resurgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: AL

Complaint narrative:
On XX/XX/2023 I sent XXXX XXXX XXXX a certified letter asking the to validate an alleged debt. In this letter I asked them to provide me with the original purchase agreement along with the terms and conditions of that agreement. I also asked XXXX XXXX XXXX to provide proof that the are legally able to collect debt in the state of Alabama. They did not respond in 30 days and when they did respond the were only able to provide a copy of a bill. On the bill, no where did it state that they were the owners of the debt. I have never had a contract with XXXX XXXX XXXX. It is also a violation to send debt collection letters with the debt collectors logo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2023 I sent XXXX XXXX XXXX a certified letter asking the to validate an alleged debt. In this letter I asked them to provide me with the original purchase agreement along with the terms and conditions of that agreement. I also asked XXXX XXXX XXXX to provide proof that the are legally able to collect debt in the state of Alabama. They did not respond in 30 days and when they did respond the were only able to provide a copy of a bill. On the bill, no where did it state that they were the owners of the debt. I have never had a contract with XXXX XXXX XXXX. It is also a violation to send debt collection letters with the debt collectors logo.

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 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I supposed to get XXXX XXXX  in response to having XXXX  in my wallet on XXXX XX/XX/2020 at XXXX XXXX  UTCm snapshot time. I had XXXX XXXX  at snapshot time which I converted afterwards at XXXXXXXX XXXX CST time ( 5 hrs after snapshot ). 

Now Coinbase is refusing to give me my XXXX XXXX claiming that I converted it before snapshot at XXXX CST ( claiming it as UTCm time ). 

I have all information regarding my wallet. 
Please see the XXXX  where it clearly mentioned that I have converted my all XXXX  at XXXX to XXXX. Which means after XXXX after the snapshot. 

So at the time of Snapshot XXXX to XXXX I had more than XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention an issue I have been having with Experian regarding a dispute I made with XXXX XXXX XXXX. I had requested that they correct an error on my credit report concerning the date of charge off for a credit card account. 

Unfortunately, Experian failed to correct the dispute as requested, and as a result, the date of charge off was changed from XX/XX/XXXX to XX/XX/XXXX. Both of these marks on the credit report for XXXX  XXXX XXXX are incorrect and inaccurate because the actual charge off date should be XX/XX/XXXX. There should only be one charge off listed on my credit report. 

Furthermore, Experian did not correct the closed date for the account. Instead, they replaced it with a charge off mark on the payment history section of my credit report. This is causing significant damage to my credit score and is affecting my ability to obtain credit in the future. 

I have attempted to resolve this issue with both Experian and XXXX XXXX XXXX but have not received a satisfactory response. I am hoping that you can assist me in resolving this matter and ensuring that my credit report accurately reflects my credit history. 

Thank you for your attention to 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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  this creditor, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : I also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under any open end consumer credit plan as late for any purpose.

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 2023-05-08 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  this creditor, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : I also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This is the fourth Complaint to the CFPB about Caine & Weiner who have not address the said laws they are breaking in direct violation of my consumer rights! Illinois State Attorney General has been made aware and court proceedings will follow this fourth complaint soon. 

In accordance with the Fair Credit Reporting act Caine & Weiner has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account without my written instructions. The company is falsely accusing me of owing {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

This is not a dispute for the law is the law and can not be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We were part of and/or involved with the Bank of America scandal in 2008. I am a XXXX XXXX veteran and a single parent. Due to my sons and my own health issues I was forced to take unpaid time off from work. Along with time off, I worked for the XXXX XXXX XXXX and we were working under imposed work rules due to failure of contract negotiations which caused sequestration. I attempted to deal with Bank of America on my own and numerous times, over the course of 18-24 months, the agents I actually got to speak to told me NOT to make any payments toward my mortgage. I was told the payments would not be applied toward my mortgage and would be sent back. I attempted to make a payment or 2 anyway but as the agent told me my payments were returned to me. At the time I had paid a significant amount of the mortgage down but got behind due to the above reasons. Eventually I was forced to hire an attorney which cost me over {$10000.00} to have this matter taken care of. We ended up in court and a judge ordered a modification which I ultimately accepted. The problem was that because of the amount of time all of this took I ended up with over {$110000.00} in fees, interest etc. tacked onto the end of my mortgage. Additionally the terms were changed from a 30 yr mortgage to a 40 yr mortgage. My outstanding balance skyrocketed from {$270000.00} to over {$400000.00}, which is more than what I even bought the house for. Since this incident Ive been buried and struggling to make ends meet as I am the ONLY working person in my 4 person household. To this day my house is in foreclosure ( no sale date has been scheduled ) and things have only gotten worse.

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 2023-05-08 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Dear, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Comenity Bank/Victorias Secret Amount : {$32.00} I am disputing this claim due to : My payment was never late and this false information is damaging my credit. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: Global Lending Services LLC
State: MD

Complaint narrative:
On XX/XX/2023, I requested documents from Global Lending Services and I have not received a response for the request. The letter is as follows and will be attached. 


I am requesting information for Account XXXX XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. 

Respectfully, ( My name )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 

I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it. 

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate. 

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher. 

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation