vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX is reporting a Bankruptcy on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: TX

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
These companies are reporting inaccurate information on my credit profile and doesn't have the right to.

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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acim acredit FKA they are scamming company and they keep harassing me making threats calls costly 10 to 12 times a day making threats and I'm sick of this here and need to stop and I need to take this off my credit report before I go file a identity theft they scam you into a accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked 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
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I closed my account on XX/XX/2021 with a positive balance and was due a refund of {$120.00}. I recently disputed successfully an authorized transaction and recently providing additional information to a representative who had called me. 

The bank reported my account to the credit bureaus indicating that I owe them money on XX/XX/2021.

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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson, Reagan and Young PLLC
State: NC

Complaint narrative:
I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting. I never received any notice about the collection and I was struggling to make the payments. 

I have documentation regarding my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Re : Request for Reasonable Accommodation I have two credit cards with Citibank. 

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that Citibank remove an account in my name from collections and eliminate the balance and remove all credit bureau negative reporting. 

I have documentation regarding my 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 2021-09-19 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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
These companies are reporting inaccurate information on my credit profile and doesn't have the right to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2012, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 I had a account with chase credit card and they tell me I owe them money but I dont cuz I payed it off and they didnt report that in my credit report instead of it being a positive they just dinged. My credit and didnt close the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX  remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
I am trying to pay off an existing XXXX loan but I have no documentation or paperwork of what company took over the loan. I never recieved an account number yet the XXXX County tax collector will not respond who holds the load so i can get a payoff amount. This is not a fair lending practice as I was advised upon taking the financing that there was no pre-payment penalty but now I can not get that information. the old website goes to the company XXXX who I have not received any correspondence back from either.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-19 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I purchased a merchandise on XX/XX/2021 and the item was never delivered to me. By Federal law they are to provide proof of delivery by providing a copy of the Form 4473 and the last line of that for is supposed to have my signature that I picked up my item. all they are providing is a credit card receipt. I explained the to American Express several times but they seem to have a problem understanding me. I do not know where my item is. I stopped contacted the store because I was not getting any answers. I need my money returned. I should not have to pay for something that was never delivered to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2021. I purchased a pellet rifle on XXXX. Threw XXXX XXXX XXXX. One of XXXX 's online retailers. There was two items being returned that day. At the XXXX store the attendant placed the shipping labels for one of the items on both packages. It took a wile to discover what happened. We did find the lost return in XXXX 's possession. XX/XX/XXXX XXXX issued the refund back to Capital One to my credit card. The same card the purchase was made on. The day prior XX/XX/XXXX XXXX sent paper work to credit one stating they had not received the item for return yet. So in the dispute process I had to get all documentation back to Capital One. Which I did. Capital one looked at documentation and closed the dispute stating the documentation was not what they needed. So I got back in touch with Capital One asking what else they needed. They said they need documentation of the refund also the last four numbers of the card it went to. Not realizing what I just submitted had that information. So I got in touch with XXXX and received. More documentation of this. I submitted it. Capital one just closed the dispute again. I got ahold of management at Capital One. Were they reviewed it and said everything I needed they had. They did not know why it was not refunded back to me per Capital One Management. Which I also have every conversation recorded. So management told me they had to get with there back room. Well the back room come back to me with now it has been to long. Which was to no fault of my own. They told me they would review and get back to me. I have heard nothing. They have just pushed my off again. I find Capital One to be fraudulent. They fully intended to steal my {$320.00} all along. They got the {$320.00} back for XXXX. Yet planed all along to keep it and not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.

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 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
Sometime near XXXX of XXXX XXXX XXXX claimed I owed a debt which should have been paid by my insurance. I attempted to reconcile this debt and it was removed from my credit report. Now I have 3 items on my credit report from Phoenix Financial Services that claims the original debt is from XXXX XXXX started on XX/XX/XXXX. I have not used XXXX XXXX 's service since XXXX of XXXX. They also claim I owe three different balances of {$830.00}, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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 letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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 2021-09-19 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: FL

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Credit Collection Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Credit Collection Services Reported. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXXDOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was notified by Comenity Bank, they had closed my XXXX Credit Card with a claim of inactivity. They never sent a warning ahead of time, nor any indication of this occurring. I last used the card XX/XX/XXXX, and paid off my balance in full by XX/XX/XXXX. I questioned the company on the why, they claimed inactivity as the reason, then I was told it was information obtained from the credit bureaus was the reason for closure. They informed me in a reply that I could obtain the information for this in order to understand their reason, from the credit bureaus, I did contact and the credit bureau 's said that Comenity had not inquired about my credit as they claimed. Comenity then responded and in the correspondence, they also changed the date of the closure to XX/XX/XXXX, which is not the same date on their initial letter sent to me, they also did not clarify the reason for closing my card other than inactivity, when I questioned due to the fact I had used it less than 12 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MS

Complaint narrative:
I have an item on my credit report from Credit Management LP claiming the original debt was with XXXX. I paid this debt in full over 4 years ago and returned all the equipment. Credit Management LP also claims this debt started on XX/XX/XXXX of XXXX I have not had a XXXX Account in over 4 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief