vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
Notice to the Consumer Financial Protection Bureau For violations of the Consumer Financial Protection laws by XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and the violators of the consumer consumer laws of the United States is XXXX XXXX XXXX and the Employer the office of Hayt Hayt and landau LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX. They have violated the Consumer Financial Protection laws by not providing verification of this alleged Debt with account level documents as I have requested, Pursuant to 15 u s c 1692g and 1692 CC along with your requirements from your XXXX case and your XXXX XXXX XXXX case.They have chosen not to verify this alleged Debt with account-level documents and they refused to cease and halt all collection activities until verification has been obtained by the original creditor in this fractional Reserve banking system.They have continued to pursue collection activities with a lawsuit add XXXX XXXXXXXX XXXX Magistrate Office at Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX the second Violator of the laws of the United States which are the Consumer Financial Protection laws is Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX. In the unverified case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC they know with verification is along with halting all collection activities until verification is obtained by the original creditor with account-level documents. XXXX XXXX should know all this but if he doesn't know now he's on notice. I will provide a copy of the verification of the debt letter with this complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have filed this complaint before against a XXXX XXXX of One Main Financial. On or around XX/XX/XXXX he contacted me as to provide some relief to some extenuating circumstances as you may see in the previously closed case, he asked for a XXXX XXXX twice and the product was not subsequently provided. This case was unfortunately closed out a day before the XXXX of this month. Which coincidentally was before the XXXX grants were launched. I kindly asked for the Rep to wait while I contacted the relevant authority to understand why some billings of a certain XXXX  product happened on the eve of XXXX when ordinarily it occurs on the XXXX of each month. 

I would kindly like to reconsider and suggest keeping this case open along with one main financial, while we explore other avenues to understand why the deliverables never happened after I was so highly sought after for the financial relief product while possibly asking the relevant authority to look into the strange occurrences, such as the Black car driving beside me in tandem to the left, while a green car bearing TN tags pulled up on the right with hazards blinking flush and adjacent. 
I would like the opportunity to make observations and understand better what might be going on and this will benefit us both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: PA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's been well over a year now, and I'm still battling with XXXX  and Experian to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the XXXX 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

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 2021-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account never charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: OK

Complaint narrative:
XXXX and Experian are reporting wrong information on a XXXX XXXX XXXX account, I have disputed several times, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, They just say every time that it comes back verified and updated from their XX/XX/2021 investigation, The account numbers are wrong, ( Incorrect ) The amounts owed are inccorrect, Payment displays are incorrect. They refuse to hear my complaints. 
Amounts owed are very irregular and not consistant to what I have paid on the account. 
I have tried to call them and ask them to investigate properly and they hag up on you. 
They will not take the dispute. XXXX says that they are reporting. Experian and XXXX are not reporting the account correctly, It is hurting my credit score. I recently made a very large payment on the account and XXXX  and Experian refuse to show this also on my reports.

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 2021-07-09 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Account never charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Account never charge off

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 2021-07-09 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: TX

Complaint narrative:
It's been well over a year now, and I'm still battling with XXXX and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

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 2021-07-09 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: TX

Complaint narrative:
It's been well over a year now, and I'm still battling with Equifax and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: OK

Complaint narrative:
Equifax and XXXX are reporting wrong information on a XXXX XXXX XXXX account, I have disputed several times, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, They just say every time that it comes back verified and updated from their XX/XX/2021 investigation, The account numbers are wrong, ( Incorrect ) The amounts owed are inccorrect, Payment displays are incorrect. They refuse to hear my complaints. 
Amounts owed are very irregular and not consistant to what I have paid on the account. 
I have tried to call them and ask them to investigate properly and they hag up on you. 
They will not take the dispute. XXXX says that they are reporting. XXXX and Equifax are not reporting the account correctly, It is hurting my credit score. I recently made a very large payment on the account and Equifax and XXXX refuse to show this also on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Synerprise consulting XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019, account ending in XXXX and XXXX under my husband 's name, XXXX XXXX and account ending in XXXX and XXXX under my name, XXXX XXXX, was determined by Bank of America to have a balance. After the bank completed their investigation and verified it, the Bank of America closed the accounts and refunded us the balance via cashiers checks. A total of four cashier 's checks were sent to us upon the closing of these accounts but I was not able to cash them because they expired. Letter from Bank of America XXXX Reference # : XXXX ( XX/XX/2019 ). 

I send letters to the bank but they never responded. I called several times and left messages but the messages were never answered. I would like your help to get the balance owed to me by having Bank of America re-issued the checks or cashier 's check credit to me. 

Thank you, XXXX 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 2021-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i had called bank of america to order a new card and to file a dispute and the fraud department is blocking my account and refusing to let me access my account and funds

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 2021-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MA

Complaint narrative:
conduent removed XXXX and refuses to put the money back in

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd

Complaint narrative:
Since XX/XX/XXXX I have problems to access my account, so I asked for support on the XXXX, to which they replied that I should make an appeal, so I made an appellation because I wanted to understand why they have blocked my account, as I had only introduced money to be able to use it, to take advantage of to have my savings in a multi-currency account and to be able to make payments when necessary. On the XXXX they answered me they need it more information, but the documents they asked me for were the same I had already sent in the appellation, so I send them again ( picture of me and my ID, picture of my ID with a code number they gave me and the explanation of the appeal ). After they sent me an email that says they have decided to close my account, that they can't give me my money back, and they cant tell me the reason why they have taken the decision. 

After this I have tried to contact the in different ways, call center, social media, emails and the answered is always the same, they cant give me explanation or reasons of what happened with my account or my money. I have XXXX eur in the account and nobody is given me and answer of where is my money, why do they block the account or been responsible to give me the money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is not a new complaint. I have been complaining since XXXX on XXXX. It is reporting to Transunion Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. Ordered a {$79.00} TV in XX/XX/XXXX and returned within same month. They didn't have accounts then, but noting I have an account. XXXX has been UUPDATING my Transunion Credit Report with inconsistency dates as if I made a purchased, reporting late payments upon having a ( XXXX ) XXXX balance, and reporting " adverse action '', since XXXX. It was noted to be remove off the Transunion Credit Report XX/XX/XXXX but now it changed to XX/XX/XXXX. Why IS CFPB ALLOWING THIS.

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