vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied an application for a credit card due Experian Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, Experian put that person in my credit report 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 2021-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: IN

Complaint narrative:
if the account is charged off how is balance continuously growing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
( JEFFERSON CAPITAL SY ) AT ( XXXX XXXX XXXX XXXX. XXXX, MN XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern on XX/XX/XXXX i spoke with a manager in regards to the two closed " XXXX '' account. I have documents stating that accounts are not reporting on my file, but i see it still reporting. I have documents from Equifax stating that the accounts were deleted but it still remains on my file. I am asking that the CFPB to remove the accounts as Equifax continually violate my FCRA 15USC ss 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
Please see my prior complaint XXXX-XXXX. The company stated that they located the {$500.00} that their payment provider mistakenly debited from my account, that they have have submitted it to their clearance department and that they will process it ASAP and that I will see my funds shortly. That was over a month agoI still dont have my funds and the company has been unresponsive. This issue originated over 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
if the account is charged off how is balance continuously growing?

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 2021-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In XXXX of XXXX, I got a copy of my credit report and noticed reporting of ARS credit collections. I reached out to them in an attempt to dispute the matter and asked them to verify the account as mine. The company in turn sent me a internal bill with none of the method of validation I requested.

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 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for Bank of America Cash rewards card in XX/XX/XXXX reviewing the benefits, terms and conditions of the card. One of those benefits listed in the credit card offer included : " Auto Rental Collision Waiver Benefit ''. I called in XX/XX/XXXX to use this benefit and was told by Bank of America agents that this benefit is no longer active on my account. After inquiring into further detail between various departments. I was told this benefit was removed from my account in XX/XX/XXXX because this benefit was no longer being used. 

I find this to be an unfair and deceptive practice by which the Bank proceeded to remove a benefit that could only be used as necessary and within 6 month time period. 

Additionally, they removed a benefit and I did not receive communication to this notice or given a choice to end this credit card use and or offer alternative options. I also do not know whether this benefit ended specifically for my card or everyone. 

I made a rental car reservation and used this card for this benefit and declined any coverage offered by the rental company based on the information I had this card would include a benefit should I need it. Now I'm responsible financially for this rental car. 

they seem to select and chose which card this benefit appears to be included now. I don't have the copy of the original terms but attaching one from a similar card I found.

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 2021-08-29 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: FL

Complaint narrative:
I made purchaseson XXXX that was opened and XXXX refused to refund along with my credit card companies refusing to help me dispute. I had video and photos but the credit card companies are refusing to do anything to help

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 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This regards a Capital One credit card. I phoned Capital One and they refunded the disputed amount. But I want to file a complaint because of what I believe to be a problem in their billing system that results in unwarranted charges to their customers. 

I received a bill for {$2500.00} due on XX/XX/XXXX. I paid that amount on XX/XX/XXXX which they have a record of. 

The next bill, due XX/XX/XXXX contains a bogus interest fee of {$17.00}, which they credited to my account when I phoned them. They also said that in the future, they might not refund a similar charge. 

My two previous payments were on XX/XX/XXXX and XX/XX/XXXX, also on or before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Equifax Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both XXXX  and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have called, and I have sent letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

Anyway, I ask that someone from CFPB to look at my attached documents and note that on my Equifax Credit Report the two XXXX XXXX loan accounts have the identical dates opened on XX/XX/XXXX, identical original loan amounts of {$2600.00}, and identical 48-month terms. 

What else can I do in an effort to receive proof of this erroneous second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Late payment history from 3 years ago still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: Total Card, Inc.
State: NE

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this dispute on behalf of myself against Total Card Inc. The correspondence below has been received by Total Card Inc., via certified mail and their inability to cease reporting and delete said account from my consumer data files is the basis for this complaint. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use E-OSCAR software that does not complete thorough investigations and is in direct violation of FCRA 611 ( a ) ( 2 ) ( A-B ). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in FCRA 623 ( b ) ( 1 ) ( A-E ). It is your responsibility as a data furnisher to adhere to the above federal regulation in regards to the reporting of such updated account info. I recently paid this account in full as part of a settlement with the collection agency XXXX XXXX XXXX, yet this account still reports as a charge off and shows erroneous and erratic/unknown reporting that I have attached to this complaint. This is a major violation of FCRA 623 ( a ) ( 1 ) ( A-B ) since the account can legally no longer be reported as a charge off as the account has been written off, and its status has been changed to paid. It is also Total Card Incs duty to correct and update this information under FCRA 623 ( a ) ( 2 ) ( A-B ). Please update the reporting of this item as paid and remove any further charge off reporting. If this change is not seen on my consumer data files and if youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by FCRA 623 ( b ) ( 1 ) ( E ) ( ii ), to advise the credit reporting agencies, XXXX XXXX, and XXXX  and all other secondary credit reporting agencies to delete this negative information from my credit reports, which can also include complete removal of the account. See attachments. 

Failure to adhere to my request would make me, XXXX XXXX XXXX, due compensatory damages pursuant to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. All correspondence should be sent to my attention at the above address. 


Account identifiers : XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I purchased an e-gift card on XXXX website. It turned out the gift card is invalid and fraudulent. I would like this website taken down so others dont fall into the trap I did. Chase is my bank and will not refund me for this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of {$860.00}. The collection is reported as past due, I do not know this company and Ive never done business with them. This company does not have a contract with my signature.

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 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AFNI INC.
State: CA

Complaint narrative:
I was denied an application for a credit card due XXXX Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, XXXX  put that person in my credit report file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2021 I contacted my bank to notify them that my paycheck would be late I requested that they put a hold on my account so that no further debits or transactions could be made so therefore it will overdraft I had already opted out of overdraft protection and was told that it was still opted out I was told that the hold would be placed over the course of the next couple weeks I randomly checked my account and noticed that there was still charges being made including two fraudulent charges that caused me to have to close my debit card at this time they still allowed two more charges to go through on my debit card after it was closed and they still did not put the hold On by the time it was all said and done they had added almost XXXX XXXX and something dollars worth of overdraft fees to my account when my paycheck finally hit my account they deducted the {$700.00} and then placed a hold on my account I kept in contact calling the bank over the next few weeks as I had been doing since the initial contact and still to this day and nothing has been done they reimbursed close to {$200.00} I believe but that was for the fraudulent charges since then the bank has continued to mess up my deposits in transactions causing multiple overdrafts and whenever I call in to speak with someone they can never figure out what's going on and that usually just hang up and I have to call back I work full-time so going to the bank and sitting down with the banker is not easy option at this time they have taken nearly {$1500.00} worth of fees from my account that I believe are not accurate I take responsibility for whatever fees are legitimate but I know that I should not have paid {$1500.00} in fees to the bank and they still refuse to do anything about 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 2021-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been working with Chase Bank to refinance my mortgage since XX/XX/XXXX. This isn't the first re-finance that I have gone through. I have gone through several of the years and have grown accustomed to how the process generally works. This current process has been disturbingly unorganized, noticeably filled with missteps and easily recognizable incompetence. There have been blatant attempts to stall by asking for data that clearly doesn't apply to my situation as well as several requests for pay statements. I have provided 3 months of pay statements. I have demonstrated at this point for sure that I am able to afford the mortgage. This seems to have elements of harassment or perhaps something much darker. I have never encountered such before. The communication has been mainly one sided with me responding to requests that don't make sense or don't apply to me personally. 

I have repeatedly asked for a response or explanation for the delays even escalating to the Mortgage Customer Care Specialist 's Team Manager for assistance. That happened on XX/XX/17. I haven't received a response yet to my concerns. I don't know what is going on with Chase Bank. I have never encountered such gross incompetence or lack of professionalism ever. I really don't want to pursue the refi but would like to know from the CFPB if there is a way that I could exit the refi that is going no where and retrieve the funds that I have already paid. Could you please assist me with my situation? 


Thank you for your willingness to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29 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: OH

Complaint narrative:
Under 15 U.S. Code1681 b- I did not give Equifax any written consent to furnish anything on my consumer report and no consent is identity theft. And under 15 U.S. Code 1681 b ( 3 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Both of my consumer rights were violated by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C System XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$230.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on 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 2021-08-29 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: KY

Complaint narrative:
Equifax Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

Equifax lists a collection in the amount of {$100.00} from XXXX XXXX  from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does Equifax allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from XXXX XXXX  or EQUIFAX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation