vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I graduated from XXXX XXXX XXXX in XXXX. I immediately received info about federal loans from XXXX XXXX. It was about XXXX and I paid those off while I was in graduate school which was from XXXX. This past month I found out I had outstanding student debt from XXXX when it suddenly appeared on my credit report ( and dropped my credit score ) and my husband ( who has no connection to my student loans ) was contacted by a debt collector. From the debt collector, I found out my XXXX XXXX  ( about {$1700.00} ) were serviced by a company called ECSI. My major problem is they never contacted me. I had never heard from them about my loans so I didnt even know these loans existed until now. They are adding on a debt collector fee and my credit score dropped significantly. If I had known these loans existed, I would have paid them off years ago. I can not get any help from ECSI, they basically just said its my responsibility. I understand that, but they have a responsibility to make sure I know that Im even in debt! These were never shown on my credit report until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
XX/XX/XXXX : booked a trip for XX/XX/XXXX with a XXXX based company XX/XX/XXXX : Trip cancelled due to covid Late XXXX : XXXX company filed for bankruptcy XX/XX/XXXX : Filed a dispute with Capital One Visa for refund XX/XX/XXXX : Dispute rejected by Capital One Visa ( incorrectly claiming that I was covered by the XXXX company 's insurance ) Spring XXXX : Worked with owners of the bankrupted company to get documentation from both administrators and insurers, documenting that I was not covered since I was in the US Capital One Visa has told me that the dispute is too old to reopen, and that even though they made an error in saying I was not covered, they can not reopen the case, nor can they file a new case over the same dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
The credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from Carter-Young Inc of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX seeking to collect a debt of {$4800.00} When I contacted the agency on XX/XX/XXXX they told me I owed this money for dorm fees from XXXX to XX/XX/XXXX at the University of XXXX XXXX XXXX XXXX XXXX. Which I attended for 1 month in XX/XX/XXXX after which I returned home to XXXX. I paid for my dorm room and with drew from the university after 4 weeks but this company is now claiming I must pay for the room for 5 months total. This seems like they are trying to get extra money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
The company is part of the XXXX XXXX XXXX XXXX XXXX. I called to request a extended payment plan. The representative said she does not know what that is. This on XXXX a day before my loan is due. The power finance representative said she is calling her supervisor to ask what a extended payment plan is and if it is offered. She says unfortunately they do not have that. 

I have had a epp before with the same company years prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
I have made several attempts to solve this matter with the company and the credit bureau Experian with no success. I have filed a police report for fraudulent account and the company still continues to report this account on my report incorrectly. I have been disputing this for years.

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 2022-09-20 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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX XXXX, noon, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, of XXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I just got off the phone with a collection agent that had advised that the ONLY WAY to get the calls to stop is to setup a future dated debit card payment. 

That is not what I was previously advised and Im pretty sure prior to this occasion I filed a XXXX complaint that has gone unanswered due to a poor customer service issue with XXXX who advised me that there is a grace period where I will not get charged interested and no late charge until after 10 days after my due date. 

I simply attempted to advised her that in a simple interest contract there is NO GRACE PERIOD. Simple interest uses a per diem, which in XXXX means per day. Therefore, there is no grace period of when interest will be charged. There is a window until a late charge is applied. 

This company truly has poor training skills in their agents and even worse the supervisor, XXXX I spoke with seemed very unwilling to help and did not seem to care what I had to say. Expressed no empathy and gave me an apology just so I would get off the phone. 

I dont think this company truly cares about their customers and I am sure as soon as they read it will roll their eyes and think that I do not know what I am talking about, but little do they know I have worked 5 years in the Finance industry with Simple Interest contracts. 

I want a GENUINE apology and a contact number for their Director who oversees their Training, Compliance and Quality Assurance department to get an understanding of why they are not training proper customer service and collection tactics and if their agents even take a compliance assessment to go over who the CFPB is, UDDAP, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My credit score has been negatively impacted as a result of this company, ARS Account Resolution Services, reporting debt owed to all three major credit reporting companies ( XXXX, XXXX, and XXXX ). 

To start off, I never formally received any letter from this company requesting this debt or showing any proof that this debt is valid. I was constantly receiving phone calls from this debt collector requesting me to pay off this debt. When I checked my credit report I realized that my credit score was drastically impacted by the collections reported. 

On XX/XX/2022, I sent a Debt Validation Letter to this company requesting them to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. I was sure to include in the letter that for the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of their claims. This notice is an attempt to correct their records, and any information received from them will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. I advised them that I would be waiting for a response within 30 days from the date that they received the letter. The letter contained my first and last name along with my account number found on my credit report and my address. 

Per USPS Tracking, I found that they received the letter on XX/XX/2022, at XXXXXXXX XXXX. On XX/XX/XXXX, I received a letter from ARS Account Resolution Services stating that they received my letter but were unable to locate my account with the information that I provided. They requested that I send them additional information that may be helpful as well as a copy of the credit report showing the account in question. On XX/XX/2022, I sent them a 2nd Attempt Debt Validation Letter with all of the information that they requested from me. Per, USPS Tracking I show that they received this letter on XX/XX/2022, at XXXX XXXX. As of now, on XX/XX/2022, I check my credit report showing that they have not removed the collections on my credit report. I also have not received any validation of this debt whatsoever. As a matter of fact, they aren't even able to locate me in their system at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Filed a dispute in XXXX with Synchrony Bank regarding an item on my statement. 
XXXX XXXX wrongly billed me for repairs performed on another person 's car ( XX/XX/XXXX ). 
The name on the transaction was not mine and the car in question was not mine either. I submitted all the related documents at the time of the dispute to Synchrony. Synchrony failed to investigate the dispute. They also failed to communicate to me their unwillingness to investigate/ or report result of their investigation. Rather they intentionally did not include this item in the minimum balance due for XXXX. For XXXX good years I was not informed the result of dispute filed. This amount also was not in my credit report until XX/XX/XXXX. 
On XX/XX/XXXX, Synchrony wrote me stating they will include this amount in my minimum due balance. They further proceeded to put it my synchrony revolving account balance which is being currently reflected in my experian credit report. I have had this card since XXXX and this extreme poor treatment of a customer is demoralizing. My current credit score is XXXX and Synchrony is bent on destroying my credit score. I have never had to pay interest on this card because I have always paid more in other to avoid interest. 
I will explore all legal options open to me and will report the same to the Illinois attorney General 's office. Please publish this report including bank name.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank, IKEA credit card, issued rewards to me that are not being honored at IKEA stores. After receiving a {$15.00} reward from Comenity Bank, I attempted to use the coupon at the IKEA store in XXXX, NC. XXXX refused the reward coupon, stating it was invalid. 

I contacted Comenity Bank and asked for a {$15.00} credit on my bill for their mistake. I was refused and told over XXXX reward coupons were not working due to computer problems. 

I feel that Comenity Bank is not upholding the customer user agreement. I want an immediate {$15.00} credit to my account. This reward expires within days. I can not utilize the reward as of this date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Hello to whom it concern. On XX/XX/2022 a fraud inquiry was placed on my XXXX XXXX and XXXX  report.. So before the matter can be resolved, the told me to go through this step in order to have the inquiry removed. I don't have knowledge of this inquiry from Capital One. So I'm disputing this as fraud.. So XXXX  and XXXX  refuse to lift the inquiry without this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Wireless provider XXXX, a subsidiary of XXXX XXXX, issued a pre-paid debit card of {$200.00} for signing up and transferring my cellphone service to their network. Some where in their fine prints, there is a clause that a debit card funds will expire on the expiration date issued by their rebate processing company BlackHawk and that these funds will be forfeited if not used by the expiration date. I had my card expired last month and lost all of the {$200.00} on the debit card, that had only 6 months of validity on it which I missed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America opened a savings account in my name without my verification. 
Between the hours of XXXX and XXXX on XXXX I received 3 emails from BofA. 
The first asking for verification of email, which has never been clicked on/verified. 
The second giving me a confirmation number and acknowledging, " We have received your application for the following product ( s ) : Bank of America XXXX XXXX Banking Account '' And the last, " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I'm well aware of the possibility of outside fraud. Which is why I use a password manager and have a 63 character password for my email, XXXX ( only sms when app is not supported ) and am very aware about online security. 
The issue at large is quite easily, assuming some exceptionally ignorant " bad '' guy who was clever enough to scrape/purchase my ssn # from the " dark '' web was then too incompetent to NOT use my real email address. A large and ridiculous assumption based on the email address being so arbitrary to the account creation process. 
Why would account creation complete without my verification ( first email )? 
Adding a moment of possible coincidence, my brother had had a conversation earlier the SAME day about a small business loan. My name was part of that conversation since I may be purchasing his small business from him. And therefore I would be the one actually applying for the loan. To reinforce, I had had no contact with BofA or account ( s ) previously. Too much coincidence for my taste as well as too easy a mistake for outside fraud. I'm confident the XXXX XXXX, et al., shenanigans are not unique. 
I am currently waiting on the forensics of their investigation, whatever that may be worth. 
Thanks for reading my account ( no pun intended ), have a great day. 
Please find attached 3 .pdfs of the mentioned emails.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They called on the following dates : XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and today XX/XX/XXXX at XXXX. I get multiple spam calls daily as well for the same creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital says i owe money XXXX from XXXX.i don't have XXXX i have XXXX..so this debt is not mine..

Company response to consumer: Closed with explanation