vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I have sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The Co. we are making the complaint against is : Resurgant Capital Services L.P. Sherman Acqusition, L.P. regarding an old XXXX Credit card from XXXX. There were 3 judgments made : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX first for {$4800.00} then jumped to {$9700.00} don't really understand how they could even try to collect {$4000.00} let alone XXXX the credit card itself was only a couple hundred dollars. 
I bought my home XX/XX/XXXX didn't even know about this Company or that the credit card still existed until they garnished wages after the 3rd judgment was made in XXXX, they also attached a lien on my home, we filed Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX so debt is NOT owed but they never released the lien. We have been trying to get a hold of Resurgant Capital Services L.P. for the last 45 days first phone call was XX/XX/XXXX told us to call back within 5-7 business days, called back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at least once a week since then, last phone call made to them was today XX/XX/XXXX, We have even asked to talk to a Supervisor. Every time we call they tell us it is under review, call back on a certain day ... We just want paperwork with release of all judgments and lien and they keep telling us the same thing, it's under review. They have our paperwork / file right there what else do they need to review?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I use an app called XXXX. It allows you to get paid earlier than payday depending on the amount of hours you spend at work. This app linked up with my PNC bank account and allowed the app to withdraw the money I had paid myself earlier in the week. I've been using this app linked with my PNC account with no problems until yesterday. XXXX app is telling me that my PNC bank is not allowing this essential service to link up when all other banks allow to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally financial has promised to collect vehicle at lease expiration but has consistently failed to do so. The lease is more than 6 weeks past expiration and past the date Ally promised to collect. Ally has subsequently stopped communicating with us. Calls and emails to supervisors and executive management have gone unanswered. Ally has told us that we are responsible for the safekeeping of this vehicle. Some folks from Ally have lied about California COVID laws preventing them from arranging a pick up other car lessors have picked up expired leased vehicles during the same time period that Ally said it was not possible. There is never a consistent story from person to person at Ally. The only consistency is that ally expects customers to store vehicles that no longer belong to the customer at the customers property free of charge and to keep paying for insurance even though we are not using the vehicle. We know that XXXX XXXX XXXX  has managed to collect vehicles without causing anywhere near as much difficulty that Ally has. Allys responsiveness to consumers during this crisis and its expectation that consumers should provide Ally free safekeeping of Allys vehicles is abhorrent. ( Ally has also failed to provide, upon multiple requests, any nearby locations or any locations at all where the expired vehicle could be surrendered. )

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 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ) Balance {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc
State: NC

Complaint narrative:
Today, I received a letter stating that I supposedly owe XXXX to XXXX XXXX XXXX XXXX. There was no known prior notice of any supposed debt. After reviewing my call records, I see that a call was received on XX/XX/2020. There was no voicemail message left. 

XXXX XXXX violated 15 USC s 1692 ( g ) ( a ) that says " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' The company has violated the above federal law when it failed to provide written notice within five days, as required. This company seems to have had numerous issues with its debt collection practices, which makes this situation very questionable. I can not possibly validate information when information is not made available in a timely manner as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
Thru numerous letter disputes I've sent out on XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and on XXXX. XXXX, XXXX ... I've pleaded with the XXXX, Experian, and XXXX that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : XXXX XXXX XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XXXX. XXXX, XXXX dispute letter, which is way beyond the 30-45 days that's required by law.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
error describes that changes have been made and am not able to link my bank account with applications

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I notified Capital One that there was 6 unauthorized transactions with a total of {$4100.00} made by a company that goes by XXXX. These transactions were unauthorized because I have never dealt with the company before and never received a notification to approve any of the transactions that were made. Capital one noted it as fraud when I called to report the transactions. However, they denied my claim stating these transactions were not fraudulent and they did not see anything wrong with these transactions even though I have never dealt with them in the past. I called again on XX/XX/XXXX to ask why my claims were denied and they stated they will look into it once more. I then received a notification from them on XX/XX/XXXX stating the transaction were not fraudulent. I am writing because these transactions were unauthorized and they are refusing to refund me the money that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX-XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, SEQUIUM ASSET SOLUTIONS INC # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual.

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 2020-06-11 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have had a 100 % payment history until XXXX of this year where my Citi Preferred Credit card showed a missing payment. I reached out to the company to see what happened because I have had issues with online payments in the past and they were easily squared away due to my good payment history but they told me they didn't understand what happened and they will get back to me it has been months now and it is still on my history and impacting my credit very negatively so I have decided to reach out to see if I can be assisted by your team I have heard nothing but great reviews. I am willing to do what I need to do with the Credit card Company to assure them that this is not a pattern just a fluke misunderstanding.

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 2020-06-11 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA XX/XX/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 2020-06-11 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: Colony Brands, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX ( Monday ), I was scammed by individuals who claimed to be from the ICE ( US Immigration and Customs Enforcement ) and lost roughly {$3300.00}. I would like to file a complaint regarding a transaction that was made through Pay Pal which was made on theXX/XX/XXXX when the scammer hacked into my phone and had access to my Paypal. A total of {$110.00} was transferred to his email XXXX XXXX XXXX. The Paypal transaction ID is XXXX. This was paid with my XXXX XXXX card with XXXX XXXX.

Company response to consumer: Closed with monetary relief