vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number XXXX To whom it may concern, My name is XXXX XXXX and I see that that there is an open account for collections of FL XXXX XXXX XXXX XXXX. I am writing to you regarding what looks like two reports showing delinquent on my credit score. My son has XXXX XXXX at XXXX years old at this office. His insurance changed before the second payment, and the office was sent in the change of insurance many times. I even sent it back with one of the bills. About 4 months later my father was diagnosed with XXXX  XXXX, and I became his full time caregiver. During that same week I also became the full custodial parent to my XXXX year old. His father at the time agreed to pay the remainder of the procedure but I can see he let that go to my dismay. I reached out to the original creditor who seemed to not adjust the insurance accordingly and I could not get in touch, even sending in mail. I am writing to you to ask in tern I will pay the remainder if there is absolutely any way your company can reach out to the credit bureaus and delete the negative and derogatory line of credit from my account. I am beyond sorry about the confusion and delays on this account. I can assure you I can have it paid in full if this is able to be taken off of my credit account to assist going further.

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 2020-09-06 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
On XX/XX/2014 Western Shamrock Corp. added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Western Shamrock Corp. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a complaint which I would like to submit and acknowledge, so kindly address this issue and close the account as its being wrongly reported in checking systems and reporting. Im a student and a senior in college, while last XXXX and last XXXX onwards my account or I never used Wells Fargo or used its XXXX $ as Im not awais of it. I did speak to an in person branch person before regarding this matter so kindly close this account # XXXX # XXXX $ Ive attached again documents of everything as my whole stuff laptop car and wallet got stolen. Thanks

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 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have submitted numerous CFPB complaints about JP Morgans failure to service my checking account. Yet the account continues to be plagued with problems with no one to correct them. Following is further documentation of the same. 

For many years, JP Morgan has diminished the availability and ease of use of paper records. It will not provide copies of written checks and the so-called copies it provides, sometimes, online usually are illegible on the front or back of the copied check. 

Now JP Morgan has eliminated the ability of an account holder even to search for check images online. There is no search field for " checks '' alone, creating further burdens on its customers, degrading basic services and providing paper records rather than the ephemera of its wholly owned online banking. Forcing me to get check copies online increases my exposure to cyber security risks and risks of identity theft. It is probably pressuring regulators to allow it to completely eliminate paper records on accounts. 

I am unfairly, deceptively, abusively, and repeatedly denied advertised functions on the account XXXX most recently, wire transfers, external transfers, XXXX transfers, and having had a check not credited until over a week or more after it was deposited ; being unable to easily locate check images through online banking ) on this checking account. 

The CFPB needs to force JP Morgan to provide one specific individual at one specific location who can be reached with reasonable effort and within a reasonable time frame who can solve this account 's many dysfunctionalities. It should also sanction JP Morgan effectively for failing to provide widely advertised services for years on this account. Whatever it may have done to date, does nothing to little to correct problems on this account. 

The CFPB should compare the multitude of problems I and the other holder of the account have reported across years and compare our treatment to those of other JP Morgan account holders. If most other JP Morgan account holders are treated as badly, that is one problem ; if most are not treated as badly, JP Morgans behavior should be investigated for the retaliatory practices it probably is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX delete 3 collection accounts that after an investigation dispute XXXX  and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX  to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me XXXX XXXX XXXX Account # XXXX Deleted XX/XX/2020 by XXXX  Td bank used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX  Account # XXXX Deleted on XX/XX/2020 by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
TransUnion delete 3 collection accounts that after an investigation dispute XXXX and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me Midland funding LLC Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX Account # XXXX Deleted on XX/XX/2020 by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am on XXXX XXXX dollar contest XXXX XXXX is taking money out of my account is done this a couple of times once from XXXX XXXX store in XXXX Maryland and now from a place called XXXX XXXX he took {$88.00} from XXXX XXXX 7 different times then he took {$0.00} from XXXX on XX/XX/2020 and then he took {$42.00} from XXXX XXXX on XX/XX/2020 someone at m & t Bank in XXXX is working with him XXXX New York please go get into this for me

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 2020-09-06 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: LA

Complaint narrative:
The CRA is reporting inaccurate and false information on my credit file without proper VERIFICATION not VALIDATION. The law requires that all collections, debt be VERIFIED through proof such as reciepts, contracts etc.

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 2020-09-06 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: LA

Complaint narrative:
The CRA did not verify the negative accounts of which this grievance pertains to. The FCRA states that anything reporting to the CRA has to be according to law verified not validated. Proof of debt must be provided at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
I didn't authorize these inquiries.

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 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Apparently the was some type of dispute that I did not initiate having to do with my Capital One platinum credit card. I have had several dates told to me by Capital one Supervisors. Back in XXXX of 2020 a dispute that lasted 7 months long lead to my credit card being deleted from XXXX completely. Then it was back in XXXX of 2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with Capital One. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my XXXX   score drop like 40 points back in XXXX of 2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from XXXX. Just like the card never existed. I have 2 Capital One credit cards and seeing disputes even on XXXX that I did not initiate. The card is being reported on XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial services auto loan show incorrect payments dates on all 3 credit bureaus, XXXX XXXX XXXX and XXXX had differently payment history that is incorrect and need to be correct it since I was never late Westlake financial services 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 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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