vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  XXXX XXXX credit card company closed our credit card in XX/XX/XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from XXXX XXXX XXXX. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date XXXX XXXX XXXX closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After XXXX  XXXX XXXX closed my account, I paid XXXX  XXXX XXXX when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or XXXX XXXX XXXX " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote XXXX of XXXX. I called XXXX XXXX XXXX and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to XXXX XXXX XXXX who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, XXXX XXXX XXXX continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XX/XX/XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But XXXX XXXX XXXX and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.

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 2020-09-19 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: CL Holdings LLC
State: IL

Complaint narrative:
In late XX/XX/XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to XXXX. We began using XXXX XXXX XXXX in XX/XX/XXXX. 

XXXX XXXX CONTACT INFO JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XX/XX/XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. InXX/XX/XXXX they turned the account over to collections agency, Jefferson Capital. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to Jefferson Capital System. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court District of XXXX. My Kohls credit card account was included in the bankruptcy petition for the current balance I owe kohls.  There was some unauthorized transactions made on my Kohls credit card account from XX/XX/XXXX to XX/XX/XXXX and Kohls did an investigation and determined I was not liable for the unauthorized transactions that on my Kohls charge account. Kohls recently sent me a letter informing me, I am now liable for unauthorized transactions that Kohls determined previously, I was not liable for. Kohls also filed a police report with the XXXX XXXX Police Department in XXXX XXXX XXXX, MN requesting for criminal charges be filed against me for unauthorized transactions that was made on my Kohls charge account from XX/XX/XXXX to XX/XX/XXXX, that Kohls previously informed me I was not liable for. I did not commit any fraud or crime with my own Kohls credit card account. There has been miscommunication and a misunderstanding with me and Kohls in regards to unauthorized transactions that was made on my account from XX/XX/XXXX, to XX/XX/XXXX. I can not recall any of the unauthorized transactions that was made on my account from 9 months ago. Even after filing for bankruptcy, Kohls continued to contact me by sending me letters by U.S. mail informing me of their investigation of unauthorized transactions on my Kohls credit card account. The federal bankruptcy law of an Automatic Stay specifically states that creditors can not contact you to collect debts after youve filed bankruptcy. The Automatic Stay protects me from harassing phone calls, emails, and letters. My Bankruptcy Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX will be in contact with Kohls about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The mortgage lending officer from Citi bank branch in XXXX XXXX XXXX in New York who named XXXX XXXX XXXX gave me big trouble. 

My Citi personal wealth management wealth advisor introduced her to me, since Im buying a house. But XXXX kept complaining her in front of me. 

Then XXXX asked me for lots information. Such as 2 month business statement 2 years business w2profit and loss statement and this year balance sheet. I spent lot of time and money to my accountant for them. After she received them, she told me she doesnt need them. 

Then she asked me for my paystub. I sent her my paystub from last month and called her to make sure its ok. She told me it works. But after a while, she told me that doesnt work. She need paystub from this month. 

I was really upset. I called her and asked her to be more careful with my case mannerly. She told me to find other mortgage lending office and hanged up my phone! And she texted me that she doesnt have much time and energy for me. She had lots of clients now. 

Thats really not professional at all. She totally wasted my time and money!!

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 2020-09-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, XXXX and Equifax stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX XXXX how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and Equifax. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, Experian and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.

This is the Information that the credit bureaus are supposed to store in their database on every consumer.

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. Experian, XXXX and XXXX. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX 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 2020-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
We lended XXXX dollars from synchrony bank in XXXX XXXX while buying appliances.we enrolled for paperless but never got statements in mail or email after multiole requests.Recently we were reviewing all accounts due to changed situations.To our shock, we found out that 1.After promotional period ended synchrony bank charged me interest not just in balance left but for total amount for XXXX percent interest, which is never heard of. 
2.I have explicitly asked them to remove insurance in XXXX over phone but they never did and kept charging 3.After paying them close to XXXX dollats, synchrony is expecting me to pay another XXXX to settle balance 3.In current covid situations this has been impossible and we r at total loss 4.please help n stop such fradulent practices 5.they hided all this in fine print n deceiving customers

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX 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 non-monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In late XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to zero. We began using XXXX XXXX XXXX in XXXX of XXXX. 

XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX USA XXXX XXXX XXXX XXXX  A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. In XXXX they turned the account over to collections agency, XXXX XXXX. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to XXXX XXXX XXXX. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.

Company response to consumer: Closed with explanation