vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request the method of verification for dispute initiated on ( XX/XX/2024 ) and the subsequent response received. 

RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please send the following information used to verify of XXXXXXXX XXXX XXXX XXXX  debt XXXX. 

XXXX : The name of the original creditor XXXX : The creditors address and telephone number XXXX : The persons name they verified the dispute with XXXX : The documentation used to verify the dispute XXXX : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
My discover credit card was closed on XX/XX/XXXX. XX/XX/XXXX and XXXX I called discover and asked why- they stated I did not give them information in a timely manner. I called on XX/XX/XXXX to ask why my card was declined at a restaurant on XX/XX/XXXX, Customer service rep advised the denial was not on there end and can proceed to use the card. XX/XX/XXXX I asked again why my card keeps getting declined, all payments made timely since opened XX/XX/XXXX. I was told again Sorry for the trouble. There isn ; t a decline on our end so it could be a few things, a connection error, merchant equipment or the purchase was never submitted. I suggest tying the purchase again with the merchant or reaching out to the merchant about the possible issues above. I made contact with them twice in XXXX to find out why my purchases were not going thru and both times no one ever mentioned I needed to verify/ validate any information or I would have. I was told NO ISSUES what so ever I was told by customer service that XXXX and Discover sent an email requesting information on XX/XX/XXXX ( did not see any email from either ) Discover does send an email a day sometimes XXXX about promotions and such. stating I had until XX/XX/XXXX to respond. XXXX asked to be sent or if this was mailed to my home physical address like the rest of the letters from Discover. They said they could not and only send me the letter of my account being closed on XX/XX/XXXX They also stated it may have gone to my " spam '' folder since came from XXXX Had I known information was requested I would of gladly provided it as I have been working to build my credit and this closed accounts are not good. I never missed a payment since opened and called to ask why my card was being declined early XX/XX/XXXX and XXXX I did read that 45 days should be given when accounts are closed but I called prior / during the 45 days they said they sent an email and told no issues so there was nothing I could do to avoid this when you call a company and they do not say there is an issue you believe there is not issue and both times NO ONE EVER ASKED for information now my credit score is dropping drastically and I am trying to build my credit not make it worse and I am sure they are entitled to do whatever they chose but if the information was that important or a factor as a reason they can just close your account I would of expected both times to be told when contacting the company or a letter in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is my refiling complaint to DISCOVER BANK for still allowing inaccurate information and erroneous account on my credit report. As I checked my recent credit report, the inaccurate information and erroneous account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: IL

Complaint narrative:
I was called today by an agent named XXXX XXXX ( she left a voicemail with her name ). When I called back I received someone else and I advised that this was my third request for them to stop contacting me. Their calls are monitored and recorded so they can pull the calls of the other 2 times o requested this. The first XXXX requests were made to an agent AND a supervisor who were both EXTREMELY rude. When I tried to put in a complaint to the supervisor, she interrupted me and said so what is your question because I dont have time for this. I didnt have a question, I was trying to submit my complaint. I told them to stop contacting me and they continued to do so. I have reached out to a lawyer to discuss this matter with them further. I work XXXX XXXX XXXX XXXX XXXX XXXX I generally know the collection tactics, and what is ethical collections and what is not, and Pro Collect is definitely the WORST, unethical company I have ever spoken with. I have tried to settle this debt but they are unwilling to work with what works, I can not afford payments of {$1500.00} a month which is why Ive asked to cease and desist as this is causing me so much stress that it is effecting my health with how much stress I have. I can provide lawyer contact information once the law firm assigns me a lawyer to my case.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: SC

Complaint narrative:
The bankruptcy is reporting wrong on my credit report. I have contact the credit bureau for the last 6 months to remove it from my credit. They pay me no attention. I'm filing a complaint so that I can get my live better. Please remove the bankrupty off my credit.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, 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 law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, 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 law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an alert saying JP Morgan Chase attempted a hard inquiry. I called Chase and they didnt see an application for a line of credit. This inquiry is still on my credit report and I want XXXX XXXX to contact me about this and remove the inquiry. 
Alert XXXX XXXX Alert type : pull attempt while locked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I used a XXXX machine and it was returned. This caller was trying to collect a debt that does not exist Machine was returned approximately end of XX/XX/XXXX The caller contacted me today, XX/XX/XXXX, telling me I owed {$150.00} I gave my birthdate to the caller and when they asked me for my credit card number, I said " I am going to call the company from whom I got the machine '' I called the XXXXXXXX XXXX and was told my balance was XXXX. That I owed no money I asked the caller today for the name and phone number of their company. The caller said " Credit Management Company '' and the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have had several accounts with Self and they continue to keep my deposits, not give any valuable consideration and when I have instructed them to return my deposits they refused. They instead put that deposit into another account and immediately started charging erroneous fees. This is not a contract or relationship that is equal, fair or clear and concise and I no longer grant this company any rights or powers over my account. They have continued to not operate in good faith. They have stolen my interest and my consideration, attempted to take all my rights and powers and abuse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian was notified by XXXX, XXXX on XX/XX/2024, that a fraudulent application was submitted by someone attempting to obtain a credit card using my social security number. Experian will not remove this from my credit report, it still shows as a hard inquiry and I'm having difficulty obtaining a mortgage because of it.

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 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This is my second complaint and bull city response was to get a fraud packet send to them. The information requested was not received at my address and if you send it from XXXX  but was nit received. However, you didn't specify what address it was sent to. 
Secondly, according to The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023, I received a text message indicating that possible fraudulent activity could have occurred on my account ending on XXXX. I called the number, and they made me go through a verification process, where I was asked for my license and a video of my face. I did all, then called the number and the agent took notes, cancelled the card, and issue a new one ending on XXXX. After I received the card in the mail, I could not access the card, I could not access the account on the internet. I called again and another agent made me go through the same verification process. After an hour on the phone, she transferred me to a supervisor, who took care of me to actually make take card payment. I was assured that all was in order, this was not the case, I could not access my card information on the internet, and I again received a text communicating the possibility of fraud. I called a third time and went through the process again and to no resolution. At this point, I do not know what charges are on my account, as I have no way of checking. The card I received does not work either. 
I am not allowed to make payments, so my credit score may be affected, and it is not my fault.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Continually having trouble with the company sending incorrect billing statements, ( XX/XX/XXXX ). Having lost my SAVE ( IDR ) application renewal ( XX/XX/XXXX and XX/XX/XXXX ) then stating that I never qualified for it ( false according to DoE website and was later enrolled anyway without any sort of notice ). 

Have continually asked for estimated payments and was told that they could not provide these ( XX/XX/XXXX )! 

Have received statements saying that payments are late/overdue/not received when I have proof that money was received well before the due date ( XX/XX/XXXX payment for a XX/XX/XXXX due date ) was supposedly never received and reported as overdue despite receiving confirmation emails for payment on XX/XX/XXXX. 

Have attempted each time there is an issue to call the company ( also get an automated message stating that the call wait time is more than 20 minutes and I have been entered into a call queue for a call back but never get a call back ). The two times I have been able to get an agent on the phone after more than 30 minutes on hold, they say they need to " consult a supervisor '' and then disconnect me or say that they will have a supervisor call me back and I never get a call. Have tried their online customer service chat function and writing letters, but get automated messages not relating to my actual problem, or chat gets disconnected and is " unavailable '' on the website ( how is this possible?? ). 

I think this servicer is either woefully understaffed by people who don't have any training or ability to fix system mistakes/errors or is willfully and negligently making mistakes so that people get their credit dinged by false late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The pathological lairs at Webster Bank are not only a bunch of crooks but arrogant, rude, evasive and a bunch of thugs as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also according to 15 USC 6802. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act XXXX USC XXXX, I have the right to Privacy. Also according to XXXX USC XXXX. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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