vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : Best Buy Credit Services Best Buy Credit Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my XXXX  report on XXXX XXXX XXXX  without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Best Buy Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with Best Buy Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand. 

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.

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 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I have repeatedly attempted to call the company. My phone number is new and told the company that I am not the person they are trying to call. I have never had any financial relationship with the company. I don't have an account with the company. The company calls multiple times a day and from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any 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 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
We keep getting phone calls from a company claiming to be Amazon and they want to confirm our credit card number and information and saying that were winning something or theyre going to be shipping us an XXXX and its gon na cost {$790.00} and we dont even have an Amazon card I called Amazon confirmed all of our information and that we do not have a card and they said that this is a fraudulent phone call thats been being made to people and to not give them any information but I wanted to report them this is the phone number that theyre calling from 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 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
on XX/XX/2021, i sent QUALITY RECOVERY SERVICES, INC 2 letters to their main and corporate offices regarding the alleged debt of {$400.00} that i dont owe.it has been over 30 days since i sent the letters and neither office hasn't responded within the 30 days allowed by law.this inaccurate information is damaging my life and keeping me from getting things that i need.Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I applied for the unsecured Amazon Store Card and was approved on XX/XX/XXXX. As part of the agreement, I was required to provide an initial deposit of {$500.00}. The agreement also stipulated that my initial deposit will be refunded after my card is updated to a secured account. 

My account was upgraded to a secure credit card around XX/XX/XXXX. All attempts to get my initial deposit refund has not yielded results. 

I have made numerous ( 8 at least ) calls to their customer service centres, and the response is always : " wait 7 - 14 days, your check will be reissued '', but they never follow through with this. 

My last call with a representative was on XX/XX/XXXX, and I was again told to wait 7-14 days for my check, which I was supposed to have received about a month ago, based on a previous call.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I accidentally made payments to my credit card from an incorrect account, which caused the payments to bounce. I was not notified via email or on my online banking that the payments had bounced, other than in my transaction activity. The company sent me a letter, and I only received the letter about the XXXX payment bouncing on XX/XX/XXXX. After discovering the bounced payments in the history, I scheduled another payment on XX/XX/XXXX, but my card declined when I tried to use it. I called Chase, and was informed my account had been reviewed and closed due to the bounced payments. I have never, ever, bounced a payment to Chase in the 13 years I have had the card, and always paid off my balance on a monthly basis. The lack of timely information about the first bounced payments caused me to inadvertently make a second bounced payment. Had I received timely notification, via email or text alert, it would not have happened a second time. It is almost like Chase wants to make it harder to know you have bounced a payment, to ensure maximum fee income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. IT HAS BEEN PAST 30 DAYS. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Original purchase date was XX/XX/XXXX. The bank failed to ever send us any documentation which would allow us to obtain plates from the XXXX. 

Loan was paid in full in XX/XX/XXXX. The bank has since failed to release the title ( as of XX/XX/XXXX ). 
Weve had more than a half dozen phone calls with Huntington over this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: ERC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX XXXX, Enhanced Recovery, and XXXX XXXX XXXXXXXX. The Account Opened is XXXX XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Enhanced Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$72.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
on XX/XX/2021, i sent LETTERS TO THE MAIN AND CORPORATE OFFICES WITH PENFED CREDIT UNION A LETTER REQUESTING BILLING STATMENTS AND DOCUMENTATION REGARDING A ALLEGED DEBT OF {$390.00} THAT I DONT OWE AND I HAVEN'T RECEIVED ANYTHING FROM THEM THUS FAR. Please acknowledge my letter, correct the error, and clarify the manner in which you arrived at the finance charge, new balance, and minimum amount due on the account. 

I do not agree with your alleged reported balance. I am not liable to pay that balance. Please provide me with the original offer you claim was accepted by me, any amendments to the agreement, the cardmember agreement you deem accepted, and the previous 12 months of statements of account. Until this billing dispute is resolved, cease and desist all collection activity, including all credit reporting. Promptly request that consumer reporting agencies delete all credit reporting to date.

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 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. IT HAS BEEN PAST 30 DAYS. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

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 2021-02-19 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: MA

Complaint narrative:
I negotiated a loan payoff to Barclay Bank, and they still show that it went to collections and was not resolved

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 2021-02-19 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: GA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax date breach and may have got into the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Westlake Services, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Westlake Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit 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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Noyes Law Firm P.C.
State: ID

Complaint narrative:
Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-19 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: NY

Complaint narrative:
I am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: BCO Consulting Services
State: IA

Complaint narrative:
On XX/XX/2020 I had a conversation with BCO Consulting Services. They had me convinced that they would help manage my student loans through an income based forgiveness program for a service fee of {$990.00}, which I recently discovered to be false information. They had me sign some paperwork - all of which was read thoroughly which tells of how convincing they were. I will attach that paperwork to this claim. Overall, they have taken {$390.00} XXXX {$190.00} on XXXX XXXX, {$190.00} on XX/XX/XXXX XXXX. My complaint is that they claimed to be working with my student loan providers, but I called my student loan provider and they directly told me that they do not work with 3rd party organizations, therefore, they do not work with BCO Consulting Services. So, I am requesting my money back from this organization because they falsely told me that they could work with my student loan provider, when in reality, my student loan provider does not and will not work with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: PA

Complaint narrative:
In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX XXXX store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX XXXX XXXX and hunter warfield who are two different debt collection agencies are asking me to pay different amounts. XXXX XXXX threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX when I received the email from XXXX XXXX and they told me I owed money. I told them I was already disputing the amount I owed with XXXX XXXX XXXX said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX Hunter Warfield and XXXX XXXX all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation