vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: NV

Complaint narrative:
I had an eviction XX/XX/XXXX from my previous apartment. IRS garnishment prevented me to pay rent. I came into some money to pay off my debt, it was paid to XXXX XXXX and collection on XX/XX/XXXX for the amount of {$1400.00}. XXXX XXXX XXXX sent a paid off letter to all 3 credit bureaus. XXXX  and XXXX  has removed the debt from my report it no longer shows. However Equifax has stated that thy never received the request and as of today it still on this report as " unpaid ''. I sent Equifax a certified letter on XX/XX/XXXX and it was received on XX/XX/XXXX, but they said they never got it. Then as of XX/XX/XXXX I sent them a fax that contained, my ssn, dl 's, bank statement that confirms the payment to the collection agency, both copies of the letters the XXXX XXXX XXXX has sent to me, a written statement and the original copy of the certified receipt. I received a letter from them on XX/XX/XXXX stating that the dbt is unpaid and the current balance has went up. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for Experian and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and Experian have failed to remove the incorrect information.

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 2021-06-03 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: EdFinancial Services
State: FL

Complaint narrative:
XXXX  continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for XXXX  and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and XXXX  have failed to remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This complaint is a continuation of complaint XXXX. Since XXXX of last year I have tried to constantly resolve an issue of a balance transfer that was done in error by Citi bank. The company offered me a 0 % balance transfer rate and every month, I keep getting charged interest and I keep getting a rash of excuses of why the issue is not fixed. I've heard, well, your payment was late, you do not have a promotional rate, and the last couple months is, that is interest that was carried over and we will remove in on the next statement, but they expect me to pay the interest which is forcing me to pay more than the minimum balance every month. Since XXXX, the interest is detailed on my statement as XXXX XXXX XXXX like part of the offer is subject to interest. I have tried to resolve this and keep getting the lame excuses of why it is happening and the continued harassment and what has actually amounted to about 12 hours of my time, wasted. Phone calls, complaint letters, pouring over statements, etc. This time, I spoke with XXXX XXXX, XXXX. I am asking for the Bureau to step in and make a phone call because my actions of calling, complaining, and writing letters does not seem to be motivating enough to fix the problem. All someone has to do is go into the account and type in the right information and this seems to be too difficult for Citi bank. Citi bank is being willfully negligent at this point.

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 2021-06-03 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: SC

Complaint narrative:
I sent a credit dispute to Experian last week. Sent the letter certified to know when it would arrive. It arrived on XX/XX/2021. The company claimed to have contacted all the companies in dispute and was to show proof of how dispute was investigated. They refuse to do so when asked. Also, company claims they contacted creditors and did a thorough investigation but that is a lie. They just took my letter and then 3 days later, sent me a " dispute completed '' but showed NO evidence of anything and also did not show any updated or other information as well. It takes 30 days for a full investigation and to get results. Experian is always telling stories about investigating and never do. They are causing harm and making life hard for people trying to dispute and refuse to help people.

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 2021-06-03 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: FL

Complaint narrative:
On or about XX/XX/2021, my credit report was accessed from Maryland by XXXX XXXX XXXX XXXX '' This company is not legally authorized to access my credit report and I'd like Equifax to explain why they are permitting this. 

Litigation to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing this item was erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing this item was erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have been noticing since the beginning of my unemployment claim that amounts on my bank of america app were not correct in XX/XX/2021 I went thru statement of deposits added them all and then did same with all deducted transactions there was XXXX dollar missing not accounted for that bank of america XXXX  debit card just made disappear from my account then on XX/XX/2021 I had a availible balance that changed from XXXX to XXXX dollars on XXXX first it had no pending transactions against the amount availible and then to top it off the XXXX  bank card decided to block my card for 24 hours the day after I got paid I was on vacation for my bday and was forced to max out my XXXX XXXX XXXX and they repeatedly blocked my card so frequently I was unable to purchase food and medicine needed for my XXXX  XXXX I am XXXX XXXX now they refuse to give missing money back im am on day three of XXXX  I am XXXX  without my medication this may XXXX  me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
in XX/XX/XXXX The law office of Silverman Theologue sued me on behalf of XXXX XXXX XXXX XXXX. I was naive and did not use the statute of limitations defense. I asked the Collector was this debt past the statute of limitations, but they stated it was not and I owed XXXX to thier client. They cohersed me into an agreement that I stuck to until I was unemployed during the pandemic. 

The violation was when I asked for a settlement agreement to keep it from getting into court in XXXX and the collector said that I still owed XXXX and the settlement is for XXXX. 

I never owed that amount and they charged this account off in XXXX. My understanding is once an account is charged off there is no additional interest that occurs. I asked for this amount in writing and the collector stated no I could not have it. I also asked for a ledger of my payments. I obtained a copy and the amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
called collection company, which is not the original creditor, and informed them that this bill was part of the hospital bill, either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, and these bills were paid by Dept of Veterans Affairs, also when the hospital accepst payment the entire bill is considered payed in full. the XXXX XXXX who is the origanal creditor only received what the hospital disbused to them. but me the Veteran is not liable for any charges, being the original creditor was contracted to the hospital .so this bill should not be put on my credit report as a charge off .and the date of service was last year in XXXX, not this year in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX  and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately.

I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. 
I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Account Resolution Services. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

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 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Mishandling of payment check. Failure to apply payoff of loan in a timely manner. Payoff check was received on XX/XX/2021 and has not been applied to the account as of XX/XX/2021. 

XX/XX/2021. Payoff quote was obtained and check issued for payment in full. 

XX/XX/2021. XXXX  tracking receipt shows check was delivered on Monday XX/XX/XXXX at XXXX am signed by XXXX 

XX/XX/2021. Made a due monthly payment on the account. 

XX/XX/2021. Called company and inquired as to when the payoff payment would be applied to account. Representative stated they had " no record of receipt '' and it would take " 10 days to process after receipt. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative claimed they had " no record of receipt '' and the payment was " not yet received. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative stated that they, " can not find and have lost the payment check. '' XX/XX/2021. As of XXXX XXXX payment has not been applied to the account. Next monthly payment is due by 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 2021-06-03 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: Credit Center, LLC
State: FL

Complaint narrative:
Credit Center , Inc is attempting to collect a debt that does not belong to me. Credit Center , Inc. is reporting a delinquent collection account to XXXX XXXX XXXX XXXX  that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Credit Center, Inc. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
I took a loan for XXXX I pay XXXX and my balance is still XXXX is not right please I need help the place is title loan phone number is XXXX XXXX XXXX or XXXX XXXX. I know this place is doing things illegal please can you guys do an investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal is the company. They market work with small businesses to help with there ecomerce website but it's a lie. They own a monopoly in the payment ecomerce website world and XXXX and other companies have a monopoly with using payment transactions for an online website. They should immediately accept my application for my ecomerce website to integrate paypal as a payment system. How are any small companies supposed to strive if big corporations like XXXX and paypal won't even give a small company a chance. Filing a complaint on paypal. Accept payouts API application immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter to both Transunion and XXXX  requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX showing that inaccurate items that were deleted, and they have yet to correct my report on their end.

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 2021-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
For the past 6 months Capital One has been reporting I owe {$1000.00} on a {$500.00} credit card. My credit report says that Capital One closed the account for fraudulent activity but are ruining my credit. 

I didnt authorize or open a Capital One Account. I disputed with them and the 3 Credit Bureaus. 

Capital One keeps saying the information matches instead of investigating FRAUD. Which is someone stealing your information. 

I want them off my credit report because they are ruining my ability to get loans or credit. 


XXXX XXXX XXXX has been reporting missed payments in which I didnt miss any payments. They are reporting I missed 7 payments during COVID19. Under the Cares Act companies are not supposed to report late payments if you make arrangements with the company ( see attached ). Also I paid off the account and XXXX  reported my balance increased and that they are late payments.

Company response to consumer: Closed with explanation