vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have not been able to use my destiny credit card since the XXXX f XXXX a contactted customer service and was told there was a block because of one {$10.00} pand dollar payment that did not go through on XX/XX/XXXX I was not aware of these terms I was not It's warned about future and sufficient fun returns and as of XX/XX/XXXX I'm still unable to use my card and I am having to pay interest on charges with a call that I can not use Due to these actions I am being threatened by bills that I have ACH AUTO PAY using mydestiny credit card and have incurred late fees as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NJ

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 27 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 2nd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX 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 2021-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I entered into installment agreement with Atlas Credit Co. Inc. last XX/XX/2018 with the loan of {$500.00}, with the high yield steep interest rate of 99.85 % that was beyond of the usurys states and national consented annual percentage rate. I sent a written letter to Atlas Credit Co. Inc. to their XXXX , Texas as well to their corporate office in XXXX , Texas , in order to notify them about the future blank checks they asked that was not in their policy to the contract I signed. Atlas Credit Co. Inc. have collected advance blank checks from me for my monthly payment. The checks I signed and gave them were to be cashed only after their agent having called me.

Advanced checks I have given to Atlas Credit Co. Inc. were compromised and my bank, XXXX have to close my account at the time checks I have given them were blanks and without dates that I never authorize them to write dates. It is seriously flawed and causes substantial harm for me due I am now facing criminal charges in that they wrote dates on my blank checks without my approval. 
After the attempts of notifying them through certified mail return receipt no. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in my attempts to communicate in assisting me restructure my installment loan were in vain by Atlas Credit Co Incs representatives before the scheduled withdrawal date.

After Atlas Credit Co. Inc. uncooperatively responding in solving my willingness to repay instead they have submitted to the Hot Check Division. The consequences of their acts were invasive in lieu of resolving these issues with me personally, as consequences of After Atlas Credit Co. Incs false pretenses of the real story.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I had a medical bill with Dr.XXXX XXXX and I was on payment plan, they closed the business and sent my balance to the collection Agency, now they want to change me with interest, I am willing to pay the balance, however they want to charge me extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TN

Complaint narrative:
I contacted Equifax on XX/XX/XXXX. Confirmation # XXXX. They completed on XX/XX/XXXX. I then contacted on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Conacted again on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Opened another on XX/XX/XXXX, Confirmation # XXXX, not completed yet. 

I orginally sent Equifax a listing of my Bankrputcy Schedule from the courts, with all my included creditors, as well as the discharge when it happened. There is still at present date a creditor from XXXX/XXXX XXXX that was opened in XX/XX/XXXX, Showing a Charged off Status with a balance of {$35000.00} as of XX/XX/XXXX. Numerous documents from the court and discharge has been sent to Equifax. They keep opening new disputes and it is not fair that I have to keep waiting for this account to be updated and reported correctly to be discharged and included in my Bankruptcy Chapter XXXX Case. There is no reason why that Equifax has to keep on delaying the process to update this account to reflect as included in Bankruptcy. 

When you call Equifax, you reach reps that are not in the US and if you do get someone in the US, they will not escalate the call to a manager or supervisor. This information should have been corrected within 30-45 days of my initital contact. They should not be opening multiple disputes and wasting my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
Client Name : XXXX XXXX XXXX Client A/C Number : XXXX ABA/Routing Number : XXXX A/C Type : Checking Bank : CHARLES SCHWAB BANK I, XXXX XXXX XXXX ; a USA law-abiding citizen maintain a checking account with Charles Schwab Bank as detailed above with a running balance of {$250.00} currently. 

The Bank, so named, has without reason continued to place restrictions on the said account and continue to return unpaid checks validly issued on the account by me. 

Prior to this complaint, I have provided to the bank all requested documents and have via telephone answered all their concerns. 

I have no other option as a minority XXXX man living in a racially decimated XXXX XXXX XXXX than to approach CFPB to resolve this and get Charles Schwab Bank to release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 9 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 XXXX XXXX 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 2021-07-27 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: FL

Complaint narrative:
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Unauthorized transaction in the amount of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I purchased a vehicle in XX/XX/2021 using Chase Auto Finance. The car was totaled on XX/XX/2021 4 days after purchase. The original loan amount was for XXXX and my insurance company paid out XXXX of it on XX/XX/2021. The first payment was not due until XX/XX/2021. However, my vehicle service contract cancelation refund covered the remaining XXXX balance. This payment was sent and dated on XX/XX/2021. But, the company Chase backdated the payment to XX/XX/2021. According to this information the payment is not 30 days late. But, somehow I still have a late payment on my credit report. Chase is refusing to update my credit report and fix their mistake. I have called numerous times and I just get stuck in an endless loop of being routed to different departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
An account was fraudulently opened under my name with a company called XXXX XXXX. I disputed the item and got it deleted ( see attached ) but XXXX  still reported it and has debt collectors harassing me. If the debt was deleted due to a dispute, no debt collector has the right to stamp my credit report with bogus information. I ask you to please defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th 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 2021-07-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.

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 2021-07-27 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: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contracted with a company XXXX to remodel my master bathroom and kitchen with a complication date of XX/XX/XXXX. We paid a deposit. They removed the wrong bathroom, the master bathroom and kitchen. Left us with no water source. I applied for credit, they did not notify me they were charging the card - I thought I was applying for a card. They use another company called XXXX XXXX XXXX to put my credit through. They had access to my house for the remodel as I was out of town. I was in constant communication with the company although they did not return my phone calls, texts and emails. 
I sent a letter from my lawyer and I XX/XX/XXXX for breach of contact. They contacted me and said they would begin work. I left to go out of town again - when I arrived back home XXXX had stolen from my home, I filed a police report and the Police contact the owners. The worker that removed all the things from my homes said that XXXX XXXX the owner of XXXX XXXX XXXX and XXXX told him to do so. XX/XX/XXXX. XXXX I hired another company to do my kitchen remodel and provided the credit card company with the checks, bank statement showing paid. I refuse to be the victim of a lying contractor that says they completed the job when they did not. Synchrony Bank sided with vendor, even though they have no proof of delivery and I have proof of non delivery. I no longer reside at that address we sold the home in XXXX of 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 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I sent XXXX dollars to XXXX through Remitly on XX/XX/2021 ( Reference number XXXX ). The money was supposed to arrive on XX/XX/XXXX. I have been told that the money has arrived, but it is not in the recipient account. When I contacted Remitly, they insisted that the transfer has arrived and asked me for a statement of the receiver 's bank account, which I don't have legal right to access because it is the receiver 's confidential information. In spite of that, I obtained it and send it to them. The statement was generated on XX/XX/2021. Remitly claims that they have a statement from the bank in XXXX ( XXXX XXXX ) stating that the money has been deposited in the receiver 's account, but they wouldn't show it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.

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