vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
on XX/XX/2021 I received a letter from a debt collector stating that their re-presenting XXXX XXXX XXXX and I owe an alleged debt in the amount of {$690.00}. So on XX/XX/2021 I sent a affidavit for debt validation letter via certified mail to debt collector. Then I received a letter from debt collector stating they're in receipt of my request for validation but stated below is the request for verification of the debt. Then they send me another letter dated XX/XX/2021 stating that their office has filed a lawsuit. So I on XX/XX/2021 I sent another affidavit of debt validation letter along with a notice of dispute via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is a 3rd party collections that will not take the proof I sent them that the original company agrees there is no balance. They come back and say I did not provide enough 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 2021-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: IL

Complaint narrative:
I have attempted to work with Rise on over 10 occasions to get my account back to current. I paid {$540.00} in the middle of the worst of the pandemic to get caught back up and then was told by XXXX XXXX that I was reported for a late payment- which I am very careful about and had never been reported for late payments. Apparently, the days rollback 14 from the last due date, not 30 from your last payment. I was told 30 days, not 14, which can be heard on the recorded calls. When I asked about the recorded calls, I was told they dont have them anymore because they delete them after a certain amount of time. 

After leaving a review on XXXX with my concerns of their misinformation as well as false reporting, I received a generic response saying to call a specific phone number to speak with someone about my concerns. I did exactly that and was told they do not offer COVID relief to ANY ( stated in a very heavy voice ) of their customers. Their website states otherwise ( I will include a screenshot ) and I request they remove this immediately as its false advertising - misinformation. I asked if I could change my due date schedule as my repayment schedule went along with my pay dates, which no longer exist, and was told they will not even talk to me in that department until I pay another {$540.00}. All of these are terrible business practices, but many of these things are verifiably illegal. I am ready to pursue a lawsuit if they are continuously unwilling to provide the help they say they have. I can not afford the constant credit bureau reports and I have done everything I can to get the extra money, but am living paycheck to paycheck after taking a {$40000.00} pay cut due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account CAPITAL ONE BANK USA is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit BureauS but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/XXXX, a credit card appeared on my credit report simply listed JPMCB Card. I reached out to the card company, asked it to be closed, and explained that any charges were fraudulent. From there, I was told to simply make a payment and they would take care of it. I noticed it not on my XXXX XXXX report anymore in XX/XX/XXXX, so I assumed all was well. I started receiving collection calls on this debt in XX/XX/XXXX, which was now almost {$6000.00}. It is currently on my XXXX report as being paid until XX/XX/XXXX, and then charged off in XX/XX/XXXX. I have asked several times for paper copies of the credit card agreement, the credit card statements and what account the payments were made from, but I have not been provided that information. Or maybe it has been sent to the address of the person who opened the card?! I don't know but this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: TX

Complaint narrative:
Disputed account with XXXX- XX/XX/2021 Received a response from Self Financial asking to email the resolutions team- XX/XX/2021 Contacted Self Financial Inc about an account on my credit report. I was sent an email stating that they could not find my account and to contact their resolutions team at XXXX with the account number or the last 4 of my social. I contacted them via email and was told that my account could not be found, because the email address that I was writing from is not what they had on file. I asked what needs to be done, and they asked for me to call Self and get it taken care of.- XX/XX/2021 I called Self Financial and received the run-around, saying that they could not find the account, after giving them my full social and personal information. The representative then sent me over to XXXX to dispute the account, and XXXX just updated the information. I have been getting the run around with this company for months with no means of verifying the debt is mine. I need this item deleted from my credit report immediately. - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX-XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Continental Finance Company, LLC
State: MN

Complaint narrative:
I had clicked on a website that believed was a promotional offer for an unsecured XXXX credit limited credit card XXXX  by XXXX XXXX and serviced by XXXX XXXX XXXX toompany. I applied and i was approved. The confirmation email looked cheap, it was formatted weird and looked unprofessional. Another red flag was the basis or explanation for the factors used to determine my credit worthiness, the report stated my credit score was XXXX. I knew it was way lower then that. Today is the 4th day since i applied and i was expecting the card, if it was going to arrive, itd arrive today but instead i received an email from a company called prosper thanking me for applying for a loan but iwas not approved. I never applied for a loan through prosper. There is no company link or contact address on the confirmation email i received for the XXXX  card, just the website html address. 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 2021-10-26 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: IN

Complaint narrative:
I have submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had three accounts with Synchrony Bank ( CareCredit, XXXX XXXX, and Amazon ), two if which had a {$0.00} balance. In the month of XX/XX/XXXX, they closed my accounts without any notice, and only one letter for one account with an explanation of 'payment ' issue ( which were not an issue ). I reached out to each to each company for an explanation as to why the accounts were closed. The result was that they pulled my credit and stated ; a lack of real estate secured loan information, too many revolving accounts with high balance compared to credit limit, too many bank cards with high balance compared to credit limit, unpaid collections, and number of inquiries was a factor in determining score. I have kept a very watchful eye on my credit reports and these factors stated weren't relevant at the time of their assessment. My scores have dropped by over 100 points with each bureau because my available credit limit decreased, there were derogatory remarks about accounts closures, and my overall debt to available balance increased. I also had an account with them closed in XXXX ( Mattress Firm ), I was previously assuming due to inactivity. I will be cautious in the future to make sure that I do not open any lines of credit with Synchrony anymore. Their company structure isn't consumer friendly unless you're consistently indebted to them.

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 2021-10-26 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: CA

Complaint narrative:
I GOT AN ALERT FROM MY CREDIT MONITORING SERVICE THAT NOTIFIED ME OF A COLLECTION ACCOUNT REPORTED ON MY CREDIT FILE. THIS HAS TO BE FROM MY IDENTITY THEFT CASE FROM A FEW YEARS AGO AND INQUIRES THAT I DID NOT AUTHORIZE.

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 2021-10-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian Fraud Statment : I am a victim of identity and I have some fraudulent items on my credit report that dont belong to me. I dont recognize them, nor did I authorize them. I ask Experian to Follow the fraud guidelines and delete and block the following information on my credit report : XXXX and XXXX XXXX XXXX and they have failed to do so.

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 2021-10-26 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
I have contacted this company via certified mail explaining to them that this debt is not mine and doesn't beyond to me. I explained to them that it did not belong to me, I disputed previously with another debt collection agency, XXXX XXXX in court and it was ruled in my favor, and removed from my credit report. I have asked them to send me proof of the alleged debt under the fdcpa act, you must provide the original written contract for the application of credit with my hand written signature as pursuant to law 15 usc 1692g, I am the original creditor, only I can validate this debt, and I DO NOT validate this debt. They have a statement from the alleged credit account which is not sufficient enough evidence to support their claim of that I owe the alleged debt. Pursuant to law 15 usc 1692g ( a ). You were to notify me in writing before, reporting this on my behalf to the credit bureaus 5 days prior, and I was not. You failed to provide me written notice which is violation law 15 usc 1692g. Their practices are abusive, unfair, and deceptive and I will be forwarded this to my finance attorney, seeking damages in the amount of {$1000.00} dollars plus legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
To : consumer protection Financial Bureau/TransUnion TransUnion has failed to follow Fair Credit Reporting Act and Failed to investigate incorrect information that has been reporting on my credit file. I had a great job opportunity with XXXX XXXX as an insurance agent and I can no longer work due to the failure of TransUnion not investigating my credit file and making corrections to my credit file. I am including my certified mail that I have been sending to TransUnion for the past 4 months. I am including a copy of the I will also include a copy of the police report that my identity was compromised in 2019 and I have a police report with the city of XXXX. 
Unfortunately, my mail was also stolen for the second time that it was delivered to my house. I wasn't left by XXXX and all my bills and identity was stolen. providing my police report and all identity information to XXXX and XXXX the correction was made to my credit file. TransUnion has failed to make the correction. This is my last attempt through Consumer Protection Bureau the correction to be made to my file if any of the information or not verifiable by law they must be delete it for 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 2021-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WLCC
State: MI

Complaint narrative:
I have contacted this company regarding this debt and was never put in touch with a live person. The lady said that someone would call me back and a few minutes later I got a call from a number that I did not know. I dialed the number back and it was a XXXX XXXX number. Totally feel scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
I GOT AN ALERT FROM MY CREDIT MONITORING SERVICE THAT NOTIFIED ME OF A COLLECTION ACCOUNT REPORTED ON MY CREDIT FILE. THIS HAS TO BE FROM MY IDENTITY THEFT CASE FROM A FEW YEARS AGO AND INQUIRES THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
1. I assumed a loan from XXXX in XXXX. 
2. Late XXXX early XXXX Aging parent issues and loss of income caused me to hire XXXX XXXX to negotiate a settlement agreement with XXXX. 
3. Filled out the application with XXXX XXXX using current address since XXXX in Maryland. 
4. XXXX sold the debt to Jefferson Capital ( collections ) in XX/XX/XXXX after XXXX XXXX had started negotiations. 
5. Jefferson Capital decided to use my old address in XXXX, PA which I moved from in XXXX. I have not owned the property since. Correspondences were sent to that address which is over 12 years old and was not entered into my application with XXXX or XXXX XXXX. Therefore Jefferson Capital ran my history and intentionally entered the incorrect address, which disallowed proper correspondence. Had they used my address as of XXXX, as noted in line 3, this debt could have been resolved last year and my credit would not have taken as much of a decline. I verified this when I called Jefferson Capital, after I learned through XXXX XXXX who owned the loan, when the XXXX XXXX agent I clarify my address for verification. I gave him the only address I used on any applications since XXXX in Maryland. He said that the MD address was not correct. I finally figured out they used my old address after he told me the city of the old address ( XXXX, PA ). I spoke to a " supervisor '' who stated XXXX XXXX had that address and gave it to Jefferson Capital. I know that's in accurate as I have received all mail from Beyond Finance to my address in MD. I contacted XXXX XXXX and they said the old address is not anywhere on my application. I paid Jefferson my debt, but their practices in this case are deceptive and designed to prolong the debt to increase their interest to collect. This is afoul of current law and abusive practices. Due to their intentional practice of using an address I have not resided at since XXXX, I was never given the opportunity to address the matter as legally provided. I demand this debt be erased immediately and my credit score restored to the equivalent of the points deducted due to their mismanagement and predatory practices. This was not a clerical error in any fashion as my loan was made in XXXX, 10 years after selling the house in XXXX, PA. 

cc : Honorable XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In process of moving, I maxed out my Capital One credit card with a limit of {$1000.00}. So I yesterday, over the phone, I authorized them to withdraw {$550.00} from my checking account, which SHOULD have left {$440.00} balance available on that card. The {$550.00} came out of my checking account today, but was not credited to my Capital One card account. ( That Capital One credit card number is XXXX ) So I called Capital One and was told my credit card would stay maxed out, until the payment is processed, on the XXXX!!!! I told them that is XXXX, deducting it from my checking account on the XXXX, but not posting it to my credit card account until the XXXX!!!! Can they legally do this XXXX??? I KNOW they are earning interest on MY money for those days!!!! The Federal government doesn't view this as fraud or theft??!!?? Multiply it times XXXX, XXXX customers that they are pulling this scam on, it makes XXXX  XXXX  look like petty crooks!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Home Loan Center, Inc.
State: OH

Complaint narrative:
This is about an illegal advertisement on XXXX with clear RESPA violations. Lending Tree is advertising rates that are not available, not disclosing the terms to get these rates and no NMLS identifier. I found a number to call online and was told when I called in that this rate would cost @ 2 points, I would need a 780+ credit, and 60 % Loan-to-value. None of this is listed on the advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation