vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I requested my consumer files from Innovis and the information they contain has to be deleted. Innovis has not been given written consent to contain any files or information on the consumer pursuant 15 usc 1681b ( 2 ). I demand to opt out and I demand any and all information this credit reporting agency has on me to be deleted. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.

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 2021-06-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.

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 2021-06-10 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: OH

Complaint narrative:
I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.

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 2021-06-10 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: OH

Complaint narrative:
I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.

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 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I cancelled the extended warranty XX/XX/2021. As of today XX/XX/2021, my XXXX loan account doesn't show {$1800.00} reduction in the loan balance. I have called and emailed Chase Bank and XXXX XXXX to get this resolved. I just keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NC

Complaint narrative:
On XX/XX/2021, I sent a goodwill letter disputing the validity of ( 8 ) incorrect items on my credit to XXXX. I submitted disputes along with evidence that the letters were in fact sent to the correct address. The representative stated that he would include the notes pertaining to the letter and that the disputes would be investigated. He went on to state the original debtor had transferred the debt to another collection agency and that the information was verified that company. I called back on XX/XX/XXXX to follow up with my second letter and was informed that neither letter was received by the dispute department and could have potentially been destroyed. I called back in today and spoke with a representative from XXXX to XXXX EST only to be told that due to the high volume that she was not able to assist in looking into the matter and that the only thing that she could do was to start a new dispute following my follow up letter. She then transfers me to a dispute Supervisor XXXX and we started the entire conversation over and he informed me that they had not received any of the ( 3 ) letters that I submitted questioning the misinformation on my credit report. I have been patient with Equifax for ( 2 ) months and when I feel as though I am getting somewhere, the supervisor ends the call and I am then prompted by a survey. As a result of the handling of my inquiry, I am now submitting a concern about Equifax and their poor management of my personal information. This company is in violation of 15 U.S. Code 1692g, 15 U.S. Code 6801, 15 U.S. Code 1692e, and 15 U.S. Code 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. They should all be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ) ( B ).

Once again I do not owe any alleged debt to Capital One Bank and I did NOT give consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. Capital One Bank continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Capital One Bank debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NV

Complaint narrative:
On XX/XX/2021 I was in La XXXX, CA, and i was shopping and i had dropped my debit card from Direct Express. It had dropped my card either outside of vehicle or in the store because when I was looking for it in my seats of my car I found it and put it in my back pocket. I noticed it was gone out of pocket when I went into atore to purchase something.. I proceeded to pay with cash. This was about XXXX XXXX when the card was missing. I then called Direct Express to get a new card and stop anyone from using it. I then found out that someone used my card at XXXX XXXX on the XXXX of XXXX at a XXXX XXXX and XXXX fraudualetly spending XXXX at XXXX XXXX and XXXX at TXXXX. I filed a dispute with Direct Express to gedt my money back and made a police report and they still denied my claim so I am out of XXXX and XXXX dollars. Thy said that I can not appeal this or have this looked over,. I feel they never looked t it n the first place because its evident that is was fraud. I do have a police report and Im waiting on copy of that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 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: DISCOVER BANK
State: OH

Complaint narrative:
I opened a discover secured card. They took the money out of my account next day they said my funds will be held until IRS form is signed. Would not be a big deal if they made you aware of this before they take your money. I should have been notified before they took the money because i never would have agreed to such a thing. I feel like this is bad business and needs to be changed these companies must tell us about the irs forms up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX there was an unauthorized withdrawal of {$2000.00} from my checking account ( Wells Fargo Bank ) I called the bank as soon as I found out. Customer service rep. told me to file a claim with the police department which I did right away. 
Bank was also investigating my claim but never provide me with any updates. I been told that the transaction was made using my card and PIN. 
I had my card in my possession at all times and did not give my info to anyone. 
Bank never provide me with a video or any other proof who withdrew the money. Therefore, Wells Fargo Bank refusing to return my money without providing any additional info to me. 
I opened 2 claims and had the same answer. I would like to have your help to investigate 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 monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a call from XXXX and a robot left a VM stating that it was from XXXX in the under writing department from Capitol One. I do not have any credit cards, I never have and I have never made enquiries for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Emergency Room visit XX/XX/20 was billed by Hospital and Physicians office billed separately but they did not file in a timely manner with insurance. They said they didn't have ins info but the hospital did where the physical is contracted. I was not aware of this debt until 2 months ago when I signed up for XXXX and saw this. I contacted the provider who said they just got the info and it is not timely for insurance. I have asked collection company to remove it since this was not my error and not in my control. They said they sent statements out that I did not receive and did not follow up with the hospital to get info. This needs to removed from collection. Insurance company has stated this is not legally my responsibility and should be written off by per contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My credit card had charges that were not mine and I refused to pay them. Capital One investigated the charges and found they were not mine and they removed them. When I refused to pay the charges Capital One assessed interest and late fees and reported my account as delinquent. They refuse to remove the interest and late charges and return my credit balance ; they also refuse to correct the delinquency rating on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I have requested our servicer, United Wholesale Mortgage, cancel our PMI. I have called for over 3 months to get them to cancel it. We provided XXXX with the requirements they requested of us in writing, we are under the 80 % LTV and are in good standings with our loan. They denied our request to cancel the PMI in a voicemail message and will not provide a reason for the denial. Since they have charged us for all these months, I believe they are taking our money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I use my XXXX Citi card to purchase a trip with travel insurance on XXXX of last year, I had to cancel due to the pandemic crisis and travel restrictions beyond my control. I contacted the CITI, credit card company and XXXX, they claim that they would give me credit instead of returning my money. Even though this is not fair, so I want to use my credit to buy the same trip and Im being denied.

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 2021-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Earm LLC
State: VA

Complaint narrative:
Got a text message saying I owed a debt when I dont the guy couldnt even give me an information about it when I called the original company they told me this is not right then I called the other two collections agency they tell me its fraudulent and to contact the FTC

Company response to consumer: Untimely response
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Hello, I've been using XXXX XXXX insurance for some period ( purchased thought the XXXX XXXX, then at XX/XX/XXXX I canceled the contract ( which is clearly seen in the marketplace, see attached ). 

I used to pay their bills with my banking account via ACH, though I didn't authorize any autopay or recurring charge. 

Then on XX/XX/XXXX I got an email ( attached ) that I was charged for XXXX XXXX bill, and payment was processed by XXXX XXXX https : //www.fiserv.com/XXXX ), a scam looking payment provider whom I was unable to contact anyhow ( their 'customer support ' mailbox for example simply bounces any email ). 

I login to their online account through XXXX 's website, and canceled this autopayment which I never ever authorized. There I found that this 'authorization ' I supposedly made on XX/XX/XXXX ( see attached ). I double-checked my browsing history : no, I didn't login to their service on XX/XX/XXXX. Actually I never login to their service before I they charged me without my authorization. So I couldn't authorize this autopay. 

Earlier in XXXX I got email from XXXX that they changed their payment provider. It seems like they disclosed my payment details to the XXXX XXXX, and authorized autopay for me without my consent. It's a clear fraud. 

Another interesting thing : this payment is not shown in XXXX XXXX statement ( see attached ). And XXXX has a very unprofessional online service so there is no payment history there at all. Moreover, I can't edit my payment methods, and for example I can't delete my banking details. Thanks God I was at least able to cancel this autopay.

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 2021-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Every few months, a different credit collection agency tries to collect a debt that has already been classified as too old to collect. In addition, this debt was dismissed by the Department of Education due to the schools improper loan practices. In this case, the most recent debt collector is Synergetic Communications IncXXXX out of XXXX, Texas. Your agency has already resolved the debt with one agency. Now the above company is trying a new collection tactic. Below is the new credit agency trying to collect on this debt : Synergetic Communications Inc. 
XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX-Phone XXXX-Fax As I mentioned in my previous complaints, the debt is more than 10 years old. It also was dismissed by the Department of Education. 

I'd like attempts to collect on this debt to end. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company can not verify the debt is actually mine nor owed. They sent me a statement that said the word verified. Since, they refuse to get it out of their system after telling them a multitude of times that I was a victim of identity theft. Someone stole my identity and I have a collection from XXXX XXXX XXXX XXXX they refuse to remove the collection.

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 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a call from Portfolio Recovery last fall - they are searching for someone who used to have my mobile number. I discussed that I am not that person, provided my name and information, and the calls stoped for about three weeks. Now they are calling again from numerous numbers 8-9 times daily, including unlisted No Caller ID numbers. 

They will not stop the calls and continue harassment. The company needs fined and the incessant harassment stopped.

Company response to consumer: Closed with explanation