vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
This company continues to close complaints. This company has not addressed any concerns I have with the company.

This company 's Terms and Conditions do not include details of what they charge for return fees.

This company 's employees/representatives are giving false information and the company 's employees only state what they are told to state even if what they are told to state is false. The representatives become aggressive over the phone making my client to feel uncomfortable.

This company is telling me to speak to their attorney instead of actively resolving the concerns I have with the company.

The company evades all responsibility for their violations of my consumer rights.

The forum for all communications shall be through the Consumer Financial Protection Bureau portal. Stop closing Complaints just because you don't want to deal with handling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  and Equifax are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max. After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XXXX   because they have complied and removed the BK years ago when they should have and were supposed too.

It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from XXXX  and Equifax as soon as possible to start reporting accuracy and not outdated false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the XXXX for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!

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 2020-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On the XXXX  for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
Received a debt notice from a company I've never heard of ( PFC personal finance company ) 14 months after a lab visit. Reviewed my records and showed a paid bill from that doctor 10 months ago. I called PFC and they wanted a lot of personal information of mine including SSN, DOB, etc. Seeing I've never heard of this company and are not familiar with the debt, I chose not to provide it. They got angry and indicated they'd end the call.

So I then called the lab to try to understand if there was any legitimacy to the claim. They could not verify it's legitimacy based on the account number provided by PFC. They too indicated that they're not actually the lab, but a 3rd party outsourced company ( XXXX at XXXX XXXX XXXX ) who really doesn't have much access to information.

So I have a company I've never heard of trying to collect a debt that I don't think I owe. And a company who represents the company who allegedly referred the debt, who has no record of my account or a debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Went to close my account with Bank of America on XX/XX/19 @ XXXX. Bank official was busy so I requested a check for the full amount. Was advised it would not close the account. Amount was above the teller limit and was told it would be escalated. During the next hour, I was asked why I wanted to close the account. I said I hated Bank of America and had opened an account with XXXX XXXX down the street. They said the account had not been opened very long. I explained that my primary residence is in MA and Bank of America was the only bank that was in both locations. I have had a checking account with Bank of America for over 20 years as well. Bank teller  said she was waiting to here from a particular dept before she could proceed. I received a call from an unknown number and didnt answer it. I checked my online account and saw a XXXX  balance in my account. I went to the teller thinking she had my check but found out there was a hold on my account and the only person that could resolve it was a XXXX XXXX who had just tried to call me. I tried calling 25 times and left several messages. After waiting for a total of 4.5 hours, I was told the bank was closing and I would not be getting my money and that XXXX would call me after XXXX. He never called and I never received an explanation as to why my account was out on hold

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 2020-10-19 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. ", by not providing the consumer with the requested information at all.

Equifax Credit Information Services , Inc. has also violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' The Equifax organization is in violation of this law due to the simple fact that they have not followed it and has yet to produce an original signed contract through physical verification There has been repeated attempts to correct this error in their reporting, but it appears they are refusing to follow the law which is very clear in what it states. Attached, you will find my most recent requests. At this point, my counsel is prepared to coordinate with a representative from the counsel of Equifax Credit Information Services , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint pertains to two credit cards at Capital One, and also an unlawful action involving Capital One accessing another person 's credit reports on XX/XX/XXXX. Capital One did not have a permissable purpose to access XXXX XXXX 's credit. 

Each Capital One representative acknowledged that XXXX XXXX is not financially responsible for this balance each time the account holder ( XXXX XXXX XXXX ) called. Both of these facts provide evidence that Capital One acted unlawfully when pulling XXXX XXXX 's credit on XX/XX/XXXX. 

In addition to running XXXX ' credit unlawfully, Capital One has demonstrated an unwillingness to accommodate the XXXX XXXX XXXX as the account holder since XXXX after XXXX 's attempts to close both accounts in good standing. Examples include : 1. Not merging the XXXX account with the XXXX after both accounts were paid off XXXX ... ... AND proof that Capital One had this ability in prior years 2. Not lowering the exorbitant interest rate on both accounts after both accounts were paid off XXXX ... ..AND proof that Capital One had this ability in prior years 3. Not assigning both accounts to the current third party debt collector, preventing the XXXX account from matching the XXXX settlement offer of 30 % from the debt collector 4. Previous attempts to contact Executive Customer  Service in XXXX and XXXX, only to receive canned statements about new processes offering no equitable or acceptable solution 5. Attempting to settle these debts with Capital One 's recovery department, only to learn they are not authorized to discuss all of our terms These cumulative events by Capital One are unacceptable and the XXXX is now responding in kind by filing this complaint. Both accounts are approaching the 4 year delinquency mark on all credit bureaus. Capital One has the ability to report these accounts to the credit bureaus as deemed necessary. Furthermore, Capital One also has the ability to edit, change, or delete both accounts as the information furnisher. 

We ( XXXX and XXXX ) are asking your agency to contact XXXX at XXXX or XXXX to discuss the your role in helping to resolve this matter equitably and expediantly. She's been trying to qualify for a mortgage for the month. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax to remove dispute remarks on my credit in XX/XX/XXXX as I was informed by the mortgage lender this was necessary to complete loan. They told me that my dispute remarks were being removed and would be completed in thirty days or less. I then in XX/XX/XXXX spoke with them told them it was not removed and was transferred to a supervisor she stated the remarks were removed as of that day and that It would be in the mortgage lender database. I let her know this issue has caused financial harm of missing purchase of a home and interest rate locking by their omission to complete the request. Per the FCRA I asked for copy of credit report. I then had my credit re-run by mortgage company as manager assured me the dispute remarks were removed and they again appear on the credit report. I called today XX/XX/XXXX and spoke with representative sho said it shows removed in system but remains and there is some sort of error and id have to wait another thirty days for a re-dispute. I told mortgage company and XXXX XXXX and the homebuilder will not wait, lost the XXXX XXXX! I am seeking damages of my deposit of {$5000.00} and hardship and time cost {$5000.00} totaling {$10000.00} for this financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This Bill doesnt belongs to me of {$200.00} from XXXX XXXX XXXX and should be removed from my credit report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Back in XX/XX/2017, I filed an Identity Theft Report with the FTC Report # XXXX for the following accounts : XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX Additionally, on XX/XX/2017, I filed a Request to Block unauthorized charges under FCRA 605B Both letters were sent via certified mail to Equifax. Let it be known that both XXXX  and XXXX XXXX complied and removed these accounts, conducted investigations and concluded XXXX, XXXX XXXX XXXX XXXX would remain permanently deleted. However, to date Equifax has not responded at all. I have also requested the steps Equifax used to investigate. Again no response! In all, I have sent Equifax request to investigate, block and delete these accounts and have never received a proper and legally required response. 
I have since been turned down for credit moat recently for a XXXX XXXX card due to Equifax, been passed over on a job promotion that would have also increased my salary by {$18000.00} annually. My auto and home insurance has increased. I even reached out to Senator XXXX XXXX office and had a representative from the Senators Office investigate. Equifax has simply ignored every single policy and law. I am again, for the 5th, time demanding that Equifax block & delete the three accounts above from my credit report immediately. This letter will be followed up with a lawsuit  sometime in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: OK

Complaint narrative:
I received a letter from speedy cash debt collection dept threatening to sue me over old debt and also said that if I didn't respond wuthin seven days my bank accounts would be seized thru major credit bureaus and that I was under investigation. They are asking for way more money than the orginal supposed debt. I received this email on XX/XX/XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation