vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 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: TX

Complaint narrative:
on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: TX

Complaint narrative:
on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

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 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Capital One Quicksilver card that was delinquent, the card was paid off in full & I was told by collections that the account would be removed from all 3 of my credit reports by the collections department. I was told that within a month this would be deleted & its still showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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:
I have sent several disputes to Equifax regarding my credit file & they havent deleted all of the negative information including the hard inquiries. I know that theyre using the XXXX system but by law according to the FCRA section 611 I have a right to see how theyve come up with the information that caused them to leave the inaccurate information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : SyncB XXXX XXXXXXXX XXXX XXXXXXXX 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 2021-09-05 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: TX

Complaint narrative:
I am writing to file a complaint against [ XXXX  & Experian ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ XXXX  & Experian ] to date. 
I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX XXXX XXXX XXXX. 
Account Number : 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 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : XXXX XXXX XXXX XXXX Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
They would give me a provison credit somebody stole my card. An spent my money i filed my claim XX/XX/XXXX this my second trouble ticket XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NY

Complaint narrative:
I received a call from a company called Hunter Warfield stating that I owe {$26000.00} for breaking my lease at a rental property called XXXX XXXX in XXXX, Ga. The rental approval went through a company called XXXX XXXX in XXXX of XXXX. Im just being made aware of this issue in XXXX of XXXX. I never received a bill from anyone. I spoke with both Hunter Warfield and XXXX XXXX regarding this fraudulent matter. Both advised me to submit a complaint to the FTC, obtain a police report, and submit a notarized affidavit. Attached are the copies of these documents. I have not heard back from anyone yet. Lastly, once this situation is cleared, I would like my name removed from any rental listings that might state I have a bad history for renting. I would eventually like to move and I dj t want a negligent rental history on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo consumer account Received email saying my payment hadnt been received. Was due that day. I thought I had Autopay for {$1000.00} but because of email ( and same late info when I logged in to WF ) I paid {$700.00} immediately. Then as soon as my payment posted I got an email saying the {$1000.00} had also posted. 

Called customer service and was told THERE IS NO WAY to apply my EXTRA payment to my upcoming XXXX payment. 

Called again, told the same thing, and asked for supervisor. Undoubtedly was the person sitting next to the one I asked to transfer me to her Supervisor. No chance this was a Supervisor. Or if so they need to fire all their supervisors. Supervisor told me nothing in the universe could allow WF to apply this vast overpayment to my XXXX  payment.

Wells Fargo XXXX. Its not enough that they stole millions or billions a couple years ago through criminal practices. Clearly WF still wants to do things the same way.

I filed a complaint but several days ago no calls as were promised. Ill never get a reply from them so Im preparing hoping you can 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 non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a Citibank checking account online in XXXX of 2021, but the checking account was closed by Citibank for violating bank standards, even though I never even used the checking account at all. Citibank is discriminating against me based on my race, me having a Chapter XXXX bankruptcy discharged on my credit report, and Citibank is denying me an opportunity to open up a checking account, and secured credit card with the bank. Citibank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law.

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 2021-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I am XXXX XXXX a Consumer and Natural person, I am filing this compliant with no third party involved. Allied Collection Services has not responded within the length of days given after speaking with me concerning an alleged debt that have placed on my consumer report. Affidavit of fact was sent on XXXX XXXX Allied Collection Services signed the certified green return signature Postal receipt that they received it XX/XX/2021, today is XXXX XXXX and no correspondence or verification from Allied Collection Services. This has caused me a lot of traumatic stress, and also defamation of my character XXXXThis is a violation of my consumer rights, Also a violation Rights to Privacy. Please see attached files.

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 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ingenuity RM, LLC
State: MN

Complaint narrative:
Ingenuity RM continues to send me letters in regards to a medical debt from XXXX XXXX XXXX XXXX for {$240.00}. File Number : XXXX. The debt and account is not my account or debt. The debt and account is the result of identity theft. Ingenuity RM keeps harassing me for a debt that doesnt belong to me. Ingenuity RM is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ). Ingenuity RM previously informed CFPB that they would close the file and not contact me anymore in regards to the debt, but they contacted me again anyway by USPS mail on XX/XX/2021. I have the letter. Review the letter uploaded. Furthermore, Review previous CFPB complaint against Ingenuity RM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP

Complaint narrative:
Received unsolicited Reliacard from mail asking me to activate 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 2021-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I never received any notice or call from the company XXXX XXXX. I had a credit card with Capital One years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
Stern Recovery services placed a collection on my credit reports for XXXX XXXXXXXX XXXX XXXX XXXX. I e received no correspondence from the collection agency which is required by the FCRA. They performed an illegal act and placed this collection without verification. They have violated contract law and are committing extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  and Equifax is not helping me to remove these Inquiries, I am practicing my right to challenge questionable information that I have found on my personal credit report. These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. I found I was not the one who authorized this inquiry, I'm asking that that be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I have a XXXX account number XXXX. This was paid in full by my self and my insurance copy and lapcorp settle this account closed they agreed to have this account completed removed from my credit. Report immediately all three that was 4 months ago. They have sent out letters to the credit collection. Company several times .. the copy keep responding they never received the letter,,, lapcorp can not send me the letter directly because it is an internal request,, .. XXXX contacted this company several times and they are refusing to remove this account completely from. My credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I went on the Google Play Store and purchased {$25.00} in Google Play Store credits using my debit card. I then went to try using the credits on the XXXX XXXX as Google manages the payments. It refused to accept my Google Play Store Credit stating I have to be located 8n the United States. I checked and my VPN was off. There was no reason to deny my purchase. I then tried to request a refund. There is no option for explaining the issue. I was denied a refund. The company does not have a customer service phone number and wants the consumer to use the community as a way to resolve this issue. The company intentionally does this to keep costs low. They deny use of funds if it's a debit card knowing that it isn't protected as credit cards are. I humbly request that you fine the company on behalf of 5he hundreds of thousands of consumers who they do this to and request a refund from this cheap company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;

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 2021-09-05 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: PA

Complaint narrative:
I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: PA

Complaint narrative:
I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;

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 2021-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XX/XX/2021 I initiated a dispute with TransUnion credit bureau regarding incorrect balance information being reported on my credit report. The balance information they are reporting is from the month of XXXX and it is inaccurate and affecting my credit score in a negative way. I contacted the credit union, XXXX XXXX in XXXX and advised them to contact TransUnion directly and make them fix this error before XXXX. I was told by the Director of Consumer Lending at XXXX XXXX  that their credit reporting updates occur every month on the XXXX. TransUnion refuses to update my credit card balance and when I issued a dispute with them directly, I was sent a deceitful letter dated XX/XX/2021 explaining that no update is necessary!! My new credit card statement date is XX/XX/2021 and it clearly shows that my balance is {$40.00}. These facts make it clear that TransUnion is not working on behalf of the American Consumer and this bureau needs to be shut down!! Their investigations unit NEVER DISPUTES CONSUMER COMPLAINTS PROPERLY OR ACCURATELY. TransUnion remains in violation of FTC regulations. TransUnion refuses to update my new credit balance and increase my credit score which will be the next course of action to take place in 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