vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The problem is this company has offered me banking services, which include a checking and savings account. I make use of the checking account services offered by SQUARE. On XX/XX/ I requested standard monthly banking statement including the following first and last name, the account number associated with the checking account. 

It was explained to be by the SQUARE Representative that the company does not provide such documentation. Considering I pay a banking fees associated with the service, it is not clear to me why SQUARE INC. would not be able to provide consumers with documented proof of being a legitimate checking account holder. 

Not having a bank statement has put a halt on my ability to conduct other business in other areas. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: NJ

Complaint narrative:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/ 90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days 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 to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: SC

Complaint narrative:
Upon a review of my credit reports with XXXX, XXXX, and Equifax, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. Disputes filed with XXXX, Equifax, and XXXX all came back as " verified as accurate ''. I received a letter from XXXX on XXXX dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: SC

Complaint narrative:
Upon a review of my credit reports with XXXX, Experian, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXXXXXX  containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received XXXX letters from XXXX postmarked XX/XX/ stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/XXXX  This letter was delivered on XX/XX/. Disputes filed with XXXX, XXXX, and Experian all came back as " verified as accurate ''. I received a letter from XXXX on XXXXXXXX  dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.

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 2021-10-12 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: FL

Complaint narrative:
On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/XXXX  90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days 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 to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have filed multiple disputes for incorrect addresses, incorrect payment histories being reported on my credit report. the company 's is only responding with a verified response. once I send method of verification letter, im not getting any responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

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 2021-10-12 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: NJ

Complaint narrative:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Veros Credit, LLC
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has my current address listed as a previous address, while a former address from 6 years ago is listed as my current. Equifax is the only company with this issue. They have 2 reports listed and neither one of them have the address they have listed as my current. I have tried more than 10 times to dispute online. However, it always fails. I have attempted calling and I am told I need to mail them a copy of my drivers license and social security card. It is 2021 and a company that profits off of my personal information is not capable of updating my address without exposing me to potential identity theft? This has led me to being denied credit. I have also provided multiple responses identifying who I am over the phone including SSN, birthday, current ( real ) address, which again is reported by the other 2 credit reporting agencies. They can update everything except my address. This has become ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
The following is a description of the communication between myself and XXXX at Rent Recovery Solutions. Address : XXXX  XXXX XXXX XXXX, XXXX, GA XXXX I found out about this debt while attempting to acquire mortgage loan. 
>First call XX/XX/XXXX- I told XXXX ( agent I have had contact with ) that how I had found out about this debt. I explained my situations and gave them all of the appropriate contact information ( phone #, address, email and an alternate email ). I requested that they send me a later stating what I owe and for what reason ( as they are required by law ). XXXX said that he would send the letter out to both my physical address and email. 
>2nd/3rd call XX/XX/XXXX - Called because I still haven't received the letter via email or snail mail. No answer. Left voicemail. 
>3rd call XX/XX/XXXX - Called and got through to XXXX again. I told him that I still have not received any documentation via snail mail or email pertaining to this debt. XXXX claimed that he had sent out XXXX letters to both my physical address and email ( I have never received any ). I tried explaining to him that I am not trying to get out of paying the debt, but that I need to have documentation. XXXX proceeded to talk over me the entire call and tell me that the problem must be on my end and that I have an issue with my email AND my standard mailing service. He also, told me that since they had my info and he told me what I owe that I should just pay it. At this point I got frustrated and told him that I did not appreciate being interrupted and I tried to explain my situation again. XXXX then hung up on me. 

Which leads us to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Am a Barclay 's XXXX XXXX Mastercard customer and have had an account for many years. I have always had my auto pay set up to pay the full statement balance on the due date. 

On my XX/XX/21 statement I had a balance of {$3400.00} and had autopay set up to pay the full statement balance of {$3400.00} on my due date of XX/XX/21. However, the payment did not process until XX/XX/21 resulting in interest charges of {$73.00} and a late fee of {$29.00}. After speaking with Barclay 's customer support both fees were waived and no explanation was given for the delay in the payment. As a one off issue I was satisfied with the resolution. 

However, on my XX/XX/21 statement I had a balance of {$4800.00} with autopay set up to pay the statement balance of {$4800.00} on my due date of XX/XX/21. The payment was made in full on XX/XX/21. However, on my XX/XX/21 statement I had an interest charge of {$42.00} based on a 14.99 % rate on a balance of {$3400.00}. After speaking with Barclay 's customer support they agreed that no interest should have been charged and it was erroneously charged due to a 'technical error '. The charge was waived. 

I am satisfied with the resolution that I received ; however, if a 'technical error ' resulted in erroneous interest charges on my statement I am sure it is happening to others as well. The support representative I spoke to filed an internal complaint at Barclays with the case # 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 2021-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Back in XXXX or XXXX of 2021 I received notification from Best Buy through a mailed statement that I had a balance due of XXXX. I did not purchase anything with my card nor had I used my card in well over a year maybe two. I proceeded to call the customer service number where I then got the run around about it being a charge to renew my card because it had not been used. I told them over the phone plus returned the statement to them via mail with a note on it telling them that I wanted the card canceled and that I was not going to pay for renewal of a card that I was not using. The following month I received another statement from Best Buy showing the XXXX charge plus fee charges of XXXX dollars plus XXXX dollars in interested charges bringing the balance I supposedly owe them to XXXX dollars. I then proceeded to call them again and tell them that this was ridiculous the card was already canceled and I was not paying these charges. I also sent them notification via mail. I received another statement in XXXX for a balance of XXXX dollars and now in XXXX I received another statement with the balance up to XXXX dollars for a previous balance of XXXX plus XXXX in fees charged and XXXX in interested charged. I am not paying nor do I feel I should have to pay any of these charges being that I am elderly for one and live on a fixed income and two for the simple fact that I did not purchase anything to have these charges nor did I ask for them to renew my card or anything else to acquire these ridiculous charges. When I call the customer service number all I get is a run around and hassle. No one once to do anything to resolve this issue and these charges and I am not paying for something on my limited income budget that I did not purchase or ask for and every month the bill goes up more and more on something I did not ask for or again purchase. And now there are threatening to send me to collections for these charges that again I did not purchase or ask for. My credit card was through Best Buy and financed through Citi Card. These companies both have lost my business and respect. Please help me with getting this situation resolved as this company is harassing me with bills and threats on charges I never should have acquired to begin with.

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 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS MY CREDIT REPORT.

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 2021-10-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: WI

Complaint narrative:
On XX/XX/2021 I checked my credit reports as a monitor them on a daily basis. A new collection had shown up for a company called L J Ross and Associates. It looks like this is for a XXXX XXXX account. I have a current account with XXXX XXXX. One that is in good standing. This collection agency reported it to the three major credit reporting bureaus. No notice was ever sent to me regarding who this is or what this account is for. No details were ever supplied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XXXX of XXXX I applied for a home equity loan with XXXX XXXX XXXX to do some much needed dire home repairs to my homestead located on XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX 
I was approved for the loan ( {$65000.00} ) with no problem since I have a good credit score, however as the process moved along with the title company ( XXXX XXXX XXXX XXXX  ), they informed me that there was a judgment lien on my property since XXXX of which I was not informed. 

The company who placed the lien in is called Midland Credit Management XXXX XXXX XXXX XXXX, MI XXXX. Legal collections Account number : XXXX. They are claiming that I used a credit card back in XXXX and that the debt was never paid. This is not my debt and it is now preventing me in moving forward with dire structural repairs needed in my home, hence the reason I am applying for a home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation