vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
I have a judgment again me from a XXXX XXXX XXXX from back in XXXX. XXXX XXXX XXXX says the original creditor was XXXX. I have no idea who this company is. It has since been turned over to the law firm of Abbott Osborn Jacobs PLC. I requested in writing for validation of this debt back in XXXX from the law firm and all I got back was the judgment. 
I already knew the judgment as I couldnt get more info or knew what to do before the judgement was entered back in XXXX. Eight years went by before i got communication for this " supposed '' debt. 
Now the law firm is trying to garnish my wages. 
on XXXX contacted the law firm for more info, as i was told i could not talk to XXXX XXXX as the law firm represented them. I asked the law firm to contact XXXX XXXX to get the information from the original creditor XXXX. I was told they would not do that. 
Looked up XXXX online and found a phone number to call. I called the number and it was answered " a XXXX XXXX '' by a gentlemen with a foreign accent. I told them i was calling about an old debt i might have. He replied, Ok Thank You.. then hung up. 

I have filed a Motion to Quash and Request a Hearing with the courts to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried several different telephone numbers to call them and ALL have failed to connect me or tell me how to proceed. Their web site is " not available '' when I try to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a collection notice from XXXX XXXX XXXX XXXX XXXX on XX/XX/21, claiming debt owed on an old USBank checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with USBank, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from XXXX XXXX by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, XXXX failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with XXXX, there are anecdotal reports of other consumers receiving fraudulent debt claims from XXXX. 

Please let me know if I may provide any additional information. 

Thank you! 
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 non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received statement XX/XX/XXXX to XX/XX/XXXX for the amount of {$4800.00} from fifth third bank. Never open a account with them account was open in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX. I believe this person has stolen my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: MN

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Affidavit of Truth I as the consumer have the right to decline the inaccurate reporting of the negative information furnished on my credit report by Capital One pursuant USC 1681B.I did not give written consent for Capital one to furnish this inaccurate information pursuant USC1602 Original Creditors-Truth and lending act, a consumer has a right to privacy. Capital one never furnished a copy of ( GAAP ) Generally Accepted Accounting Principles audit trail of them lending me credit pursuant USC1602J.This company continued to call me multiple times a day and send emails threatening legal action against me when I had already asked them to stop pursuant USC1602a Truth and Lending Act This scare tactic and harassing behavior occurred from the years XXXX. I specifically received an email threatening legal action on XX/XX/2020 from Capital one, attempting to collect a so called debt totaling {$1300.00} in which again they never provided the GAAP audit trail or show proof that I indeed was loaned anything as a consumer. I demand as a consumer for this negative inaccurate information be removed from my credit with all 3 major credit reporting agencies ( XXXX, XXXX, XXXX  ) report immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The loan is with Navient. 

On XX/XX/XXXX, we spoke with XXXX. She told us the loan balance was {$10000.00}, as of that date ( XX/XX/XXXX ). 

Our records show the balance is paid ( more than ), and we requested a full payment history, with all charges, and the original loan documents, with the Truth in Lending Statement. She said those documents would be sent, but in the meantime, she insisted we set up a payment plan. The documents were never sent, and now they are again pressing for collection. 

The first loan disbursement was in XXXX of XXXX, and the original principle was {$15000.00}. 

As of XX/XX/XXXX, all fees, including late charges, interest, and forbearance fees, total {$8800.00}. 

Loan Total = {$24000.00} Payments, beginning XX/XX/XXXX, through XX/XX/XXXX ( as shown in the account history on XXXX XXXX XXXX -- not our personal payment records, but Navient 's own payment records XXXX total = {$25000.00}. 

We've tried for years to get Navient to review the full payment history, but the representatives always state they can't see any payment history prior to XXXX, when they took over the loan. They refuse to do anything except demand payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: MD

Complaint narrative:
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-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 I applied for an Hilton Honors American Express credit card ( reference number XXXX ). I completed the application in its entirety, and I honestly answered each question, including the income disclosure question. 

The income disclosure question states that if the applicant is over the age of 21, he should include all income accessible to him. To be certain I included the right number, I contacted American Express New Accounts and asked a representative what this means. I was told it is money that is typically deposited into a joint bank account or spousal income if it is used to pay expenses. As such, I stated my income to be {$120000.00} per year. 

A week after completing the application, I received a letter from American Express stating that in order to complete the processing of my application, my income needed to be verified. To this end, I was asked to sign and return the enclosed IRS Form 4506-C. A day after receiving this letter, I submitted the signed form. In addition, I submitted bank statements to confirm that my husbands income and mine combine to equal the amount I stated on the application. 

When I contacted American Express to inquire on the status of my application, I was told it was denied because the income I stated on the application was not consistent with what was revealed on my IRS transcript. 

I am perplexed as to why my application would be denied simply because I followed American Expresss own directions when disclosing my income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been sending letter to Wells Fargo now since XX/XX/XXXX trying to validate this debt they claim I owe. Since than we have written each other more than one letter to each other and in all this time I have yet to receive any validation for this debt that has hurt me deeply. Since they can not seem to validate this debt I am demanding they remove it from there files so it no longer causes any further damage.

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 2021-08-19 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2021-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
My mortgage company is refusing to update my credit file as it has not been updated since XXXX  of this year. I have called on 6 seperate times over the last two months as I am trying to buy a car and I have brought my account current. I was told repeatedly that they refuse to honor my request and they have updated it. When I point out to them that that the last update was XXXX they refuse to pass me to anyone else because no one will tell you anything different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/2021, I received a telemarketing call offering credit repair services, the person on the line asked me basic question, then asked me to please hold for a specialist. In doing so that person never disconnected from the call while I was providing to the Specialist from XXXX XXXX XXXX. 

Shortly after, on XX/XX/2021 my XXXX XXXX  Checking Account was charged for XXXX dollars for several items of make-up. 

Also, on XX/XX/2021 my XXXX account was accessed without my consent. Upon my reviewing the XXXX account had fraudulent purchases. I reported this issue which was resolved. 

As of current I reviewed my credit report and noticed that during the same time frames there were several fraudulent inquiries : * One Main Financial XX/XX/2021 * One Main Financial XX/XX/2021 * XXXX/XXXX  XX/XX/2021 * XXXX/XXXX XXXX XX/XX/2021 I am requesting that all these Fraudulent inquiries be moved from my credit report immediately from all Personal Credit Reporting agencies specifically XXXX, XXXX  & XXXX. 

Please send me any communication on this matter directly to my email below. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Do not have any knowledge of this Credit Account on my XXXX  and XXXX  credit file to Original company XXXX XXXX. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove

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 2021-08-19 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX My bank Bbva placed An inaccurate charge on to my credit report for a secured credit card. The problem is I put down a deposit of {$500.00} securing the credit card. My understanding was that with the initial deposit that if the card became late or delinquent the bank would remove the funds from the deposited amount. That never happened an its been on my credit report since the XXXX of XX/XX/XXXX. I have disputed, talked to a Mrs. XXXX on XX/XX/XXXX, a XXXX id # XXXX on XX/XX/XXXX, XXXX # XXXX ticket # XXXX she told me that the issue would be resolved, XXXX a XXXX XXXX brach supervisor, XXXX the XXXX XXXX brach bank manager this issue is still currently affecting me negatively XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
EMAILS SAYING I OWE THEM MONEY AND IF I DONT PAY IT. I WILL BE LAID OFF FROM MY JOB THEY WILL HOLD MY SS NUMBER I WILL NOT GET MY PAY CHECKS, I WILL NEVER GET A JOB AGAIN AND I WILL BE ARRESTED IT IS A DIFFERENT EMAIL EVERY TIME, THEY DONT GIVE ME A NAME OF WHO IS EMAILING IT. JUST LEGAL ACTION WILL BE TAKEN. I CAN LIST THE EMIALS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX. I am disputing a charge on a bill Capital One sent to me on XX/XX/2021. That bill includes a charge for {$1200.00} to XXXX XXXX. This amount is an error. I have explained to them in detail about this merchant. We also did a conference call with the merchant and XXXX on the line recommending that they refund me back my money and Capital One refuse to do so because they are wanting a written consent from the merchant who told them that they will not be sending a written consent. Capital One then took upon themselves to say they can not refund me back for services that were not given because they do not have the funds back from the merchant. XXXX has recommended they have already refunded me back which they did and because Capital One can not get it back from the merchant they want me to pay for it and will not reverse the charge back. I refused to pay for services that were not given to me, so I sent them a letter as the first step in asking that the charged be removed from my account. I have three recordings on all calls made to the merchant, myself, wedding planner, and XXXX informing Capital One of the dispute and the refund that I have saved for proof of evidence. I have also sent them supporting documents with proof of evidence via email as I was instructed to do. This makes Capital One second time doing this to me because it also happened on a {$300.00} charge for a cake deposit that was paid that they also closed on me. 

I paid XXXX XXXX to decorate my wedding on XXXX XXXX. My wedding planner reached out to the XXXX XXXX to see why he has not responded to emails and the contract he was to update to reflect the services he will be doing for me, and he told my wedding planner 17 days before the wedding that he no longer wanted to do my wedding. My wedding planner then asked him what he bought with the {$1200.00} he said he bought items to decorate for the wedding. She asked if she could come and pick it up. He said yes that he will call her back by the end of the day. The end of the day came no call, so we reached out to him no answer. We then called him the following morning to see if we could get the merchandise, he then told us he did not have it, so we then called Capital One to dispute the charge for services not given and this is where we are. I have been trying to resolve this matter and the last manager I spoke with XXXX id : XXXX on XX/XX/2021 told me there was nothing they could do. I then told her to close my account until this is resolved before I make anymore payments to Capital One. I have been an excellent paying customer for quite some time and can not believe I am overseeing a charge or service that was not given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a car from Hyundai in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with Hyundai to buy out the vehicle. I got a loan through XXXX  auto finance to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.

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