vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
A person used my identification to visit several hospitals to try to get pain medication. A police report has been filed in XXXX to where the matters supposedly occurred. It is an amount of XXXX dollars from XXXX XXXX XXXX. The collection company is Wakefield and associates. I need this item removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: The CBE Group, Inc.
State: UT

Complaint narrative:
The CBE Group is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt. I called and immediately settled the debt because I no longer wished for this to report on my credit. I was told this would be deleted from my credit immediately after and it would take 30 days for the bureaus to reflect that. However, when I went in after, I noticed that this debt was still reporting. I am aware that CBE Group is able to provide me with a letter stating what they said they would be doing. Also, this is a HIPPA violation. I never signed a HIPPA patient release form allowing CBE to report this confidential information on my credit. It must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX comenity creditcard I had a 0 interest rate promotion for 12 months, i paid my whole entire balance of XXXX on XXXX. MY PROMORION EXPIRED ON XX/XX/XXXX, however, i made my monthly payment on XX/XX/XXXX of {$120.00}. NOW, there retrieving {$1000.00} interest because I did not pay my whole amount on XX/XX/XXXX. I called the company today XX/XX/XXXX and they said that even if i had paid my whole balance i have to pay the interest as well. My next payment will be on XX/XX/XXXX. The company says that they will not help me with anything at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have received calls In the past regarding a balanced i owed the IRS that I did know how it happened. They said I used dependents on income tax around XXXX, and owed a balance of {$4000.00} I believe. I had no idea how this occurred but felt obligated for the debt that was not mine. In XXXX I was told by my tax worker that I was unable to file taxes due to my social security being in use by a other party, which I had no knowledge of. I was given forms to fill out and show proof that may social was in use but not by me. I now keep getting harassing phone calls everyday from a company called CBE group regarding the debt that I did not accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the Equifax data breach and gotten into the wrong person 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XXXX XXXX was made on time to XXXX XXXX before they would delete the late notice for XXXX XXXX. I have provided XXXX  email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided XXXX email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and with the company and also with ftc and sent in police report. I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW..I sent my FTC AFFIDAVIT AND POLICE REPORT to all 3 CREDIT Bureaus and the creditors Reporting the fraudulent information The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act. The Collection Companies did FAILED verify my debt or send in the required documents under the 611 and 623 FCRA THEREFORE the Fraudulent information was removed.. Recently these Fraudulent Accounts reappeared on my Credit Report..I 'm requesting these Fraudulent Accounts be Blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Bonneville Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP

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 2021-02-03 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2021 ... Discover Financial Services ran my credit and they keep telling me they dont have any or my information in their system. But I never applied to a loan, a credit card, or any of the following. The Credit Bureau told me to get a letter from Discover Financial Services stating that it was a mistake and none of my information is found but they refused. I dont know if somebody used my social to apply or anything, but that wasnt me. Now its a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I used PayPal to pay ( with my credit card ) an online astrologist for 3 services.

The person received {$160.00} for 3 jobs. I received one job that was scam. I asked for a refund on the other 2. The person decline returning the money. I complaint with PayPal and the resolution was on favor of this person. I have emails as proof she never provided the 2 pending jobs. 

Not sure if this is the place to file a claim. PayPal is not helping. 

Case ID XXXX Transaction amount {$160.00} USD Dispute amount {$78.00} USD Transaction ID XXXX Transaction date XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and also with ftc and sent in police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and also with ftc and sent in police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I sent a dispute letter to XXXX  in regards to a collection company named EOS CCA on XX/XX/XXXX and was delivered on XX/XX/XXXX about an account that doesn't belong to me and I never received a response in the mail and by law in the fair credit report act section 611 ( a ) Requires that a company has 30 days to do an investigation on the date of notice they receive the dispute. I never received nothing in the mail from XXXX. I repeat this account does not belong to me. Then I sent two validation of debt letters to this collection agency once on XX/XX/XXXX and was delivered XXXX XXXX. Which another 30 days went by still i've heard nothing from this company which is another violation of the fair credit reporting act. I've now sent out another letter on XX/XX/XXXX that was delivered XX/XX/XXXX to this collection company asking them to cease & desists all collection activities because they have no proof this debt belongs to me. I've sent out three different disputes to this company EOS CCA and still no response I would like for this collection to removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I got approve for an XXXX XXXX card for XXXX. I had a balance of like XXXX and some change. My payment was due on XX/XX/2021. I called in on XX/XX/2021 and asked for pandemic assistance because I had filed for XXXX through the Virginia XXXX XXXX and that program would not be up and running until XX/XX/2021, because President Trump did not signed the bill in time, and I would not have any funds until XX/XX/2021 or later. The agent stated " no worries I can remove the late fees and we agreed that I would make a payment on XX/XX/2021. A couple days later they decrease all my credit from my account that made my score go down about 80 points. I have never had a late payment ever on my credit history nor a late payment on all my accounts. from being out of work because of the pandemic I had to live off my cards and under {$300.00} a week from XXXX XXXX so I'm trying to survive with a wife with XXXX XXXX who a high risk individual to covid-19. I only used the card like one time. when called in to resolve the matter the played games on the phone pretending like they was transferring me to another department while still talking to the same agent. I was really was being taken for a ride trying to get them to communicate with me about the matter. I paid the card off on XX/XX/2021 like I agreed to with the customer service agent and was told by the agent that they did not know would my credit would be restored or not while I took a decrease in my credit score. They still did not take back all of the late fees that was applied to my account.

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 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
its been over 30 days and the deadline has past This account is fraudulent activity i don't know where this account came from i need it remove ASAP if this account is not remove i will have to use legal actions

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 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This is in regards to PayPal who closed and then stole over {$40000.00} from my PayPal account under the email XXXX I have filed a complaint with the CFPB already and received a more or less automated reply from the company which I do not accept. 

This company stole over {$40000.00} from me and are claiming its due to damages they incurred by allegedly me violating their Acceptable Use Policy. 

I demand they share the damages they incurred that cost them $ XXXX+ because this is just shady wording in their User Agreement to seemingly give them the right to steal money from people. 

They claim I violated the AUP but I disagree with what they said. Furthermore, there are numerous websites that offer the same service I do and PayPal has not shut them down. this is not right and very sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the XXXX  data breach and gotten into the wrong person 's hands.

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 2021-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the 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 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEMS INC This company has placed themselves on my credit report Ive written email and letters requesting verification and time barrier on this alleged debt. I have never heard of them their open date is XX/XX/XXXX but I have never had a loan with XXXX nor have I ever been contact or reached. Why are the credit company verify debt but when I request it Im not getting any information. 

Please have them remove this debt as I feel this creditor is lying about the debt and the what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I have a continued complaint against Ally Bank. I just sold my house and the attorneys, XXXX XXXX XXXX in XXXX, Arkansas, ( XXXX XXXX ) that tried to garnish my XXXX benefits back in XXXX. I found out XXXX XXXX put a lien of {$8400.00} dollars without notifying me when he tried to take my XXXX benefits in XXXX. Although there was nothing I could do at the time of the sale, XXXX XXXX drafted a bogus agreement that I had to sign under force majeure. They stole the amount when I had to sign the paperwork so I could sell the home to new buyers. On XX/XX/XXXX, Ally Bank hired more attorneys, XXXX XXXX XXXX XXXX XXXX, Kentucky to sue me twice for the same illegal activity that XXXX XXXX did to me. Please review the documents attached.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Dept recovery solutions has sent me letters trying to say that multiple debts are mine they keep reporting multiple same amounts and same bill as different bills and stacking them on my credit. I have shown them that the debt wasn't mine so the responded with a letter trying to get me to say the debt was mine and giving out my personal information on the mail. Which is illegal.

Company response to consumer: Closed with explanation