vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have submitted a prior complaint regarding Comenity Bank. I mailed my bill on the XXXX of XXXX. The check cleared XX/XX/XXXX. My new statement reflects no payment received and a late fee. However aforementioned the check was processed and now I owe a late fee. Ironically, in speaking with the customer service from my first submission, she admitted that her company was trying to figure out how to process payments faster. In the meantime, customers are charged late fees for their inability to process payments in a fair and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I am a victim of identity theft, I dont know anything about it. The amount they say I owe is XXXX on XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
On XX/XX/2022, I visited XXXX XXXX XXXX XXXX for a swelling I had on the right finger of my hand. At the reception, I asked the price of the consultation and the attendant clearly told me : {$120.00}. So I decided to pay on my own since my insurance had a {$250.00} deductible. More than the price informed by XXXX XXXX. After the consultation, I double-checked asking : Do I owe you anything else besides {$120.00}? And the lady was XXXX clear : No, you are all set! Important to say the XXXX XXXX has a estimate cost for visits that currently doesn't exceed {$270.00}! Now, after half a year I'm being surprised by a collection trying from Medicredit. They didn't provide any e-mail to contact them. Their website doesn't have ways of communication. I tried to call them several times, but I'm attended to by an answering machine. As I said, I paid the total price that XXXX XXXX charged me for the simple visit. I don't owe them anything else. It seems a kind of scam. Seeking more information, I came across with a XXXX  page with a big alert about the pattern of consumer complaints. According to XXXX, Medicredit has repeated behaviors that hazard consumers usually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TX

Complaint narrative:
I am requesting the addition of an account to my credit report, as I have been unable to see it reflected despite several previous attempts to communicate with the Equifax team. Despite my previous efforts, the account has not yet been added to my credit reporting profile. I need XXXX account to be added to my credit reporting profile. I am human there is no XXXX party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}

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 non-monetary relief
Consumer complaint received 2023-05-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}

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 2023-05-13 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: FL

Complaint narrative:
There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted

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 2023-05-13 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: FL

Complaint narrative:
There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : USAA  SAVINGS BANK  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC.
State: FL

Complaint narrative:
This complaint is for Pinnalce Debt Collection in XXXX. I have tried to explain to them that I sold my timeshare to XXXX XXXX XXXX, a realtor in XXXX XXXX California. license # XXXX. After purchasing my XXXX XXXX timeshare, he has failed to make the maintenance fees. Because of his not paying the monthly payments, this debt collector is contacting me for payment. I had a sales contract and he paid me for the XXXX XXXX timeshare. That was three years ago XX/XX/2021! I just want this to be over! It's as though he has defaulted on his end of the contract. According to XXXX XXXX, he has never changed the ownership name from my name to his. Changing the name and assuming ownership was in our contract. I have contacted him many times about this. He keeps telling me he's working on it. After three plus years!? I have a hard time believing he is willing to loose the amount of money he has invested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: IL

Complaint narrative:
In accordance with the fair credit reporting and XXXX account XXXX XXXX {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.

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 2023-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
They are preventing me from adding my bank account to make payments. 

All of this has been ongoing for the past 2 months or so. 

I previously used the same account for many months to make payments, but at one point I accidentally double payed and rather than carrying a negative balance on the card I opted to cancel the payment from the side of my bank. 

As soon as the transaction was rejected, I was no longer able to use that bank account at all. I've called them multiple times and have tried numerous things but nothing they propose ever works, and they eventually started blaming my bank. However- I know the bank is fine because when I call them and ask them to charge the bank they have been able to do so, even after it was blocked on their end in the website UI. 

I opened a new bank account in order to try and get around this but am having trouble with that bank account, and likely I will end up being charged late fees because of the credit card companies refusing to take my payment. 

I also setup a new account with my original bank account which worked for one payment, but I got a bonus from work and after transfering that out to XXXX apparently my bank blocked all outgoing payments because it was so large/I hit some limit for the month. This caused another payment to be canceled on the new account and now that one is blocked by by my credit card also. 

I want to highlight that I have spent hours across several support calls and my own debugging to try and resolve this issue. The company has been completely unwilling to do anything, and to an extent does not seem to even acknowledge this as a problem. 

This is the Amazon Store Card from Synchrony.

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 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This debt collector XXXX and XXXX is in direct violation of my privacy right by contacting my employer XXXX XXXX  which in turn shared my information with XXXX XXXX XXXX company to garnish my wages for XXXX - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX XXXX The balance is intentionally being reported with incorrect info from XXXX and XXXXXXXX  as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
It will not let me use the card at all. It always says " there is a problem with your bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: FL

Complaint narrative:
There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted

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 2023-05-13 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: GA

Complaint narrative:
I noticed damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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 noticed damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are unauthorized accounts on my credit report that were not approved by me in writing or under my consent. I request that these accounts be removed immediately as I have not given any third-party permission to access my credit information. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter.I am human there is no 3rd party.

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 2023-05-13 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:
I noticed damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

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 2023-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute and informed them that was not me. replied back dispute closed

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 2023-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute and informed them that was not me. replied back dispute closed

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 2023-05-13 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: DISCOVER BANK
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation