vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX. I believe I am the victim of discrimination and an unfair and arbitrary practices on the part of Capitol One. Prior to there action I had an XXXX credit score. I have two cards with them. I have never missed a payment on either card, nor have I ever been late. One of my cards had a XXXX limit and the other had a XXXX limit. I received an email stating that because I rarely use the card with the XXXX limit they were reducing my limit. I use the other card more frequently, so when I called to complain, stating it made no since to reduce the limit on my XXXX dollar card when I have two cards with them, several days later, they reduced the limit on my other card. Their decision given my credit and payment is highly suspect, and it hurt my overall credit score reducing it so far to XXXX. They told me I could apply for another card with them if I wanted more credit. I have been with Capitol One over 20 years, and this has never happened. I do not rely on credit, I use it quite sparingly, and Capitol One is penalizing me for not running my cards up enough. I would love to know how many other citizens with credit scores like mine, payment histories like mine, but are XXXX have had similar action. ( What is the risk profile they are looking at, what is it based on, what is the number of minorities that are effected vs XXXX ). 

Thank you for you time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2018, PORTFOLIO RECOVERY added a Derogatory Mark 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, PORTFOLIO RECOVERY has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
NEVER HAD A LEGAL OBLIGATION OR APPLY FOR A LINE OF CREDIT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CRESCO CAPITAL INC.
State: CA

Complaint narrative:
XXXX XXXX is placed in my credit report and within there data base for the trucking industry there's been a report filed as an incident/accident however neither took place. Incident nor accident and if need be I might get a lawyer to pull the phone call from the day of that " incident ''. Another thing my credit hasn't been reported correctly paid off some things and was informed if I do so my scope would go up 23-25 pts for each however it went up by 5-6 points. I placed a freeze on all information and I would like to proceed with investigation of fraud.

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 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. Also questionable account number and who this account got transferred to!!! :?!

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of XXXX XXXX XXXX that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of citizens bank. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked for an investigation into incorrect accounts reporting on my credit file nearly 70 days ago. I sent a complaint stating the amount of time passed with no response as being highly unprofessional. The bureau replied stating that i was not me and that i had hired a credit repair agency on my behalf. that as far from the proof. I dont need anyones help to know what is mine and what isn't. These accounts are incorrect and need to be deleted immediately as per FCRA.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received 3 gift cards for {$50.00} each, but I lost them. I did not contact the company because they were a gift so I had no receipt to help me report them lost. I recently found them again in my house. I went to check the balance and it said {$0.00} on all three. All the money on my cards has been taken away by non activity fees. However, my cards are still valid, they do not expire until 2024. I called the number on the back of card to get information, but they say there is nothing they can do. They just filed a claim to the bank that issues the card, but they will not tell me how long this takes. The customer service agent just said I probably wont get it back, but I can keep calling to see if they returned the money. What kind of confusing information is this?

I asked to speak to someone in charge, but they refuse to connect me to anyone above them and there is no address on their webpage, just one customer service number. There is no complaint department or anyway to contact the main office. I want to report this company  because I really believe they are stealing money from consumers, with these fees on their gift cards. What is the point of buying a gift card if the company you buy it from is just going to slowly take it back until there is nothing left. I have read multiple reviews on several sites similar to mine of people buying gift cards from this company and having the money taken away. Most the reviews say the company does nothing to help. There should be a way of resolving customer issues.This just seems like a scam and it should be looked into. There should be a cap on the fees a bank can charge to gift cards, people spend hard earned money to give them as gifts.

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 2020-08-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX Visa Card is supposed to help consumers build credit. Recently while checking my credit I realized that my account was a showing a balance. I was upset because I have been paying my bill in full for the last couple months before the due date. When I inquired with XXXX Visa they told me it doesnt matter if I pay my bill on time they report your current balance. He suggested that I dont use my card until after the XXXX of the month. How can they report a bill that I have not received? Why are they not reporting that I pay my bill in full? This company is a complete joke for repairing credit!!! They are simply ridiculous!

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
I was contacted by Sunrise Credit Services on XX/XX/2020 at XXXX XXXX, about an amount owed to a previous debt ( XXXX XXXX XXXX bill was roughly {$190.00} ) I was contacted by an individual by the name of XXXX XXXX. When I informed him that I was going to be taking care of the debt with the original debtor. When I informed him of this decision he informed me that if I did this and the debt was put on to my credit reports, that this information would be put on my credit report " forever. '' Once he told me this, I immediately asked to speak to his supervisor, to which his response was : " There is no supervisor. '' I was able to contact the company again through the same number he contacted me through ( XXXX ) not 10 minutes after we got off the phone and was connected directly to the supervisor. I also asked XXXX XXXX where he was calling me from, and he would not give information other than he was calling from the XXXX, or that their headquarters was in New York. I know that debts do not stay on my credit forever after they are paid, but this is the predatory misinformation that is used to scam people into paying debts that they either can't afford, or might not even have. After speaking to the supervisor that WAS present, XXXX XXXX, She informed me that she will be reviewing the recording of our conversation. I don not know truly what will come of this, though I doubt anything will seriously be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX AFNI, Inc. reported a new debt in collections under my name to XXXX  Credit Bureau for an amount of {$1000.00}. The original creditor is listed as XXXX XXXX XXXX and the date the account was opened as XX/XX/XXXX. I have not been an XXXX XXXX XXXX customer since XXXX. I have not received any communication of any kind from AFNI , Inc. since this collection has been opened. A debt validation letter was sent to AFNI via certified mail and was confirmed to be received on XX/XX/XXXX. This letter was sent for the purpose of requesting more information regarding this account to confirm whether or not this is a valid debt collection attempt. I have not received any response to the debt validation request from AFNI as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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:
Experian is reporting three medical collection accounts from XXXX XXXX XXXX XXXX on.my credit report. I have disputed these medical collections as they are not mine. the company refuses to verify details of the medical services provided because they are not mine. XXXX  and XXXX  both investigated and removed the erroneous medical collection accounts from my credit reports. Experian refuses to remove the accounts or provide information regarding the medical services or evidence of ownership. i have no documentation or evidence as they are not mine.

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexShopper, Inc
State: FL

Complaint narrative:
I have never heard of this flexshopper. I have never ordered from them. My mother did when she was in XXXX  XXXX XXXX. But not me havent been in XXXX  XXXX yrs. So I want this removed from my credit report bc I keep telling them I have never go the product. I have never ordered from them before. I have already put in last year identity theft bc I seen  several of charges from XXXX that wasnt mines and this is the only one who wont come off and I refused to have something under my name and never received anything and especially if Im not in the state

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Hello I hope you are doing well. I opened a Synchrony Bank XXXX Credit Card on XX/XX/XXXX. I did that to take advantage of their promotion at that time ( I had to spend {$500.00} in 30 days after the account was opened to earn a {$150.00} statement credit ). Even though the account was opened on XX/XX/XXXX I just received the card to make purchases on XX/XX/XXXX. The first credit card was lost by USPS and I had to call them to get a new card. On the day after my card arrived, I went to the store to use the card. I spent around {$290.00} and waited until the purchase posted to pay it. The purchase posted within 2 days and I paid it right away to free up my credit limit so I could spend the remaining {$190.00} to get the {$150.00} bonus. The payment posted within 2 days but to my surprise my credit limit didnt go back to normal. The bank acknowledged the payment posted but said because it is a new account I will have to wait 7 days until the credit limit goes back to normal. When I called the bank the first time complaining that they gave me a credit limit lower than necessary to get the sign up bonus and that I didnt have the full 30 days to spend the required amount, I was told they couldnt do anything about that but they guaranteed as soon as the payment was posted I would have enough credit limit to make another purchase and get the bonus. Well, that wasnt true either because now I have paid my balance in full and I still dont have a limit to make a new purchase. The bank clearly set me up for failure. First, they sent me a card after 15 days the account was opened knowing that I would have only 15 more days to hit their minimum spent requirement. Second, they gave me a {$300.00} limit, making it impossible to spend the {$500.00} requirement without paying off the balance right away. Third, after paying the full balance off right after the purchase was posted the credit card bank accepted the payment but decided to wait 7 days to give me the {$300.00} limit back. Im very disappointed with Synchrony Bank and I am sure they are trying to scam me. What can we do about that? Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
What is this complaint about? 
In compliance with the Fair Credit Information Act ( FCRA ), I submit a complaint to the collection entity ARS ACCOUNT RESOLUTION, who has a medical account in the collection value of {$1700.00}. 
What kind of problem do you have? 
They sent me a debt collector for medical concept knowing I have XXXX XXXX process demands the whole issue of health and medical expenses due to an accident involving labor suffered in the month of XX/XX/2017 ( received an electric shock ) and even me they keep seeing medical specialists. The entire issue is defendant in XXXX XXXX XXXX XXXX under case XXXX. Therefore, this entity continues to send me bills and affect my credit score, which did not allow me for XX/XX/XXXX to obtain a credit that the state granted for help for this pandemic, What happened? 
I communicate again with ARS to the number of phone XXXX, because it was reported and because I received a letter ( copy attached ), talk to a person named XXXX who answered my call espa ol and who will reiterate what and he told them in other lla m ADAS about my case in court and told me to c omo had a court case could not speak more with me, I asked then explain to me because then continued with the collection, calls and why to send me to collection and he told me that he could not answer anything else. 
What company is this complaint about? 
ARS Account Resolution Service a division of HRRG, LLC XXXX XXXX  XXXXXXXX XXXX XXXX  FL XXXX Or to XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX More information about it : Send a letter ( copy attached ) to appeal the situation because they have not paid attention, they do not give me an answer and now they evade me saying that they can not talk to me. 
In addition, requesting the c that and desist as a collections agency and demand that they remove me from the collection. 
Creditor : XXXX XXXX  XXXX Reference # XXXX Account XXXX SERV Date XX/XX/17

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 2020-08-29 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:
On XX/XX/2017, ARS ACCOUNT RESOLUTION added a Derogatory Mark 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, ARS ACCOUNT RESOLUTION has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

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