vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
The debt owed is from a XXXX XXXX account. Jefferson Capital Systems , LLC owns the debt. The collections account was opened on my credit report on XX/XX/2019. I have been using straight talk or XXXX XXXX XXXX as a phone provider for over 5 years. This debt should not be on my credit report. I have received no information or account numbers from Jefferson Capital Systems that will allow me to review their claims to prove that I owe them for a debt. Every email I have received from Jefferson Capital doesn't provide me with any information or account numbers I can use to reference my debt. They send me links all of the time that wont allow me to make payments even if I wanted to pay this phony debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: MI

Complaint narrative:
XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.

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 2021-07-04 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccurate inquiries are on my credit report. Documents shows Fraudulent 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 2021-07-04 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: GA

Complaint narrative:
Inaccurate inquiries are on my credit report. Documents shows Fraudulent 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 non-monetary relief
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.

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 2021-07-04 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: TX

Complaint narrative:
I called and informed Transunion that i did not recognize an inquiry on my credit report from XX/XX/2020 from XXXX dealership. Transunion informed me that I had to contact the dealership first to attempt to get it removed and investigate. I called the dealership about the unauthorized inquiry. The XXXX dealership stated that they did not run my credit and that they have to evidence of my credit ever being ran through them. I called back nd informed Transunion who then said it was nothing they could do. I wrote a letter as well explaining and requesting that Transunion remove the unauthorized inquiry and supplied information from the dealership that they did not pull my credit and Transunion sent me a letter back stating anyone can pull my credit without my approval or knowledge and that the inquiry would fall off in 2 years. I replied with another letter explaining to them that that was against the law and I have not heard anything back from Transunion regarding this matter.

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 2021-07-04 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: CA

Complaint narrative:
My SSN card was stolen when my home was burglarized. Fraud holds were put on my capital one credit cards. I submitted police report, filed for a new SSN card and called capital one to explain. A few days later I got an email that I had a late payment. I called capital one and they had me verify my identity by sending in my Id and SSN card. I explained my card was stolen and they told me I had to wait until my new one comes. I explained that I need to pay my credit card bill and my autopay did not go through, they told me that because of fraud hold autopay is blocked and they cant talk to me until I provide SSN proof of card. I called numerous times, with no help until months later by chance I was contacted by XXXX Detective at XXXX decision, he had made an arrest and recovered my SSN card. I called capital one right away with supporting documentation and they agreed to remove the late payments ( please see all documented communication in attachments. ) Its been a year, Ive had over 12 hours of time spent on the phone with capital one, over 8 different communications, all of which the rep said late payment was not my fault but I have no letter as promised still, and nothing has changed. I dont know what else to do. On the last call they asked me if I used a credit repair company, this is just ridiculous its like theyre coming up with everything in the book not to help me but my credit cards are all in good standing and being used through their bank. 
Thursday XX/XX/XXXX XXXX XXXX XXXX  called XXXX made note on the account that no way I was able to pay, auto pay was blocked no one would talk to me until I sent in SSN card & Going to wave the late fee remove late payment history Rep Name : XXXX ( Compny ID : XXXX ) Confirmation Code : XXXX Friday XX/XX/XXXX XXXX XXXX  called XXXX into convo sending me to manager utility bill they cant do anything but I dont live there see picture Manager is XXXX XXXX in fraud and dispute department Bank statement make them change XXXX Case # XXXX Thursday XX/XX/XXXX Case # XXXX XXXX Fraud & Disputes XXXX said no late payment history XXXX Capital One Fraud Department Monday XX/XX/XXXX CASE # XXXX Attach case # to documents XXXX Monday XX/XX/XXXX XXXX - XXXX Screenshot XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX ( Phone call with CapOne ) Rep : XXXX Company ID : XXXX Department : Fraud and dispute Reps Remarks : Late payment should be removed from your report due to the fact that it was outside your control

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent reached out to me Frist in XXXX of XXXX about a debt they had purchased from XXXX  XXXX XXXX  in XXXX of XXXX XXXX XXXX had notified me in XXXX of XXXX of the sale of the debt. I reached out to Resurgent via the number provided by XXXX XXXX and got no response in relation to the debt. Resurgent Failed to take over the debt, verify the debt or contact me in any way shape or form for 6 months. Way over the allowed timeline. 

In addition to this up until XXXX of XXXX XXXX  XXXX was still reporting to the credit bureau and Resurgent had not reported that they were the owners of the debt in question. Resurgent just now report the debt to the credit bureau as past due in XXXX of XXXX almost a Full year after their purchase of the debt. 

Resurgent actively denied my rights to dispute the debt within an timely manner and were unresponsive. They did not follow proper procedure and did not report accurately to the credit bureaus. 

Credit one also did not properly protect my information as a client and sold my email to Resurgent. I never gave authorization to XXXX  XXXX to misuse my information and Resurgent never verified how they received this information Attached you will see the credit report from XXXX  showing this account was not reported Till XXXX of XXXX. 

You will also see the email from Resurgent date XX/XX/XXXX and them stating they have owned this account since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On Saturday XXXX XXXX at XXXX XXXX a Check was A check was deposited for {$2800.00} a receipt came out and said please contact your financial institution from the ATM machine in XXXX NY without any further explanation from Citizens Bank nor any other employees the check is missing and not credited properly to the account. 


On XXXX XXXX : Then on XX/XX/2021, all of our utilities were do water bill electric bill Wi-Fi bill which is cable roughly $ XXXXWe pay all of are utilities in one package and now they are all late! {$75.00} late payment fee! 

so far, it's XX/XX/2021 and the check is still not in the account we've been getting the runaround several phone calls have you even talked to the manager at the bank at XXXX Citizens Bank which is located just South of XXXX NY absolutely nobody 's done the darn thing! 
My company name is XXXX XXXX XXXX edit My Profile Last logged in on XX/XX/2021 at XXXX XXXX 

Made another Phone call on XXXX XXXX and they said sorry we can not do a thong! 
statements Unavailable Please be aware we are currently experiencing technical difficulties with eStatements. Technology teams are working to recover services as quick as possible. We apologize for any inconvenience this may cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IN

Complaint narrative:
One deposit of {$800.00} and withdraw of {$900.00} by transfer on same day on XXXX XXXX. Followed by approximately {$870.00}. of debit charges of 20 items. 
I got an alert from US Bank that a duplicate charge of {$60.00} on my checking account. I immediately called the bank .I was transferred to a fraud investigator, who transferred me to a different investigator who asked for a list of the 20 items including the transfers and then stated that she was having trouble with her computer- so transferred me to different investigator who had me repeat the whole list of fraudulent activity on my account. 
The bank closed my debit card and issued a new card which I got on XXXX XXXX. 
At this time I have not gotten information about fraudulent activity. 
All the fraudulent activity took place in Washington and Oregon states, after small purchase from 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 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On Monday XX/XX/2021 I went inside Prosperity Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX inside of XXXX grocery store. I went into the branch because I attempted to use my debit card and it would not work. I was XXXX advised that my account was closed due to non activity and they charged fees to the balance that was left in my account and closed it. I had been using my card and had a balance of over {$200.00} remaining. They did not provide me with my money nor a notice that they were going to close it or even had closed it. I would like my money returned immediately and my account reopened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company made refund bank has not posted. REFUND STATUS XXXX, thank you for contacting XXXX  Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2021 {$29.00} Approved XX/XX/2021 {$29.00} Approved XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX 

You received this email because you are a member of XXXX. 

This email was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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 monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I registered a new credit card for Capital One 's XXXX card on XX/XX/XXXX I believe after they sent me an offer through the mail. I read the offers for this card on their website, and it advertised a {$200.00} cash bonus for new cardmembers if you spend {$500.00} within 3 months. After searching around, I found that they also offer an alternative program where you have to spend {$1000.00} within 3 months to receive {$200.00}, which they do not seem to be very transparent about either. That's fine, but after contacting customer support, I was told I do not have any kind of offer regarding cash bonuses for spending a certain amount of money within a time period. I feel as if I've been misled here about what I would be receiving as I've already spent over {$500.00} to receive this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of fraud. Bank of America is calling it a scam. I requested the documentation they have and used to make their decision many times, it is not forthcoming. I also asked where and to who my funds were sent, so I can file a police report, to no avail. I was a victim of a XXXX transfer, that I did not imitate and was told by customer service that the transfer could not be stopped when I tried. The person who defrauded me answered my phone call, the number that customer service at the bank gave me. For months, since XXXX, Ive been requesting the information that I need to file the police report and the documentation the bank used to arrive at their decision, to no avail. BOA is acting XXXX  and possibly XXXX according to banking regulations.

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 2021-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX Kohls Department reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX XXXX 3. XXXX 4. 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 2021-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Good afternoon, Recently, I applied for a loan, and I was denied. I inquired as to why this happened, and I was told I have an outstanding XXXX XXXX with Amscot. I have not taken out a cash advance with amscot in well over XXXX years. It is effecting my credit, and it is preventing me from getting loans and credit cards anywhere. Can you please assist me in correcting this issue? 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.

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 2021-07-04 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: Capio Partners, LLC
State: NC

Complaint narrative:
I have never signed medical release forms authorizing these companies to provide information with my medical bills. I have repeatedly requested these reports removed. This is in direct violation of my hipaa rights, Im requesting these reports removed immediately. In order for a company to claim debit they are to provide the listing debt company with detailed information regarding the debt. Ive never been contacted prior to or after these debits were initiated not by phone or mail ( service dates XXXX ). I have submitted disputes that have been deleted / removed and then added again by these companies. This is harassment, and damaging to my credit worthiness. Again Im requesting these medical debts removed immediately, I have never given my consent for my medical information to be shared.

Company response to consumer: Closed with non-monetary relief