vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: PA

Complaint narrative:
Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/2021 Card/Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Discover Card Consumer Complaint XXXX XXXX Address City, State, ZIP Code Re : Discover Card XXXX XXXX XXXX XXXX Attention : Consumer Complaint Division On XX/XX/2021 I was mailed a notice from Discover card services that my account was being closed. According to the letter Discover closed the account due to the inability to access tax records for prior year, I was never notified by Discover financial services of their XXXX attempt. 
I have in the past had some issues with identity theft, therefore I have a Fraud alert with my account ( SS, Credit ) for my protection. I offered to assist Discover in this matter per IRS representative no information is released without the consent of social security holder. my approval is requested prior to any release of information. I have contacted IRS and they dont have any records of Discover financial attempts or requests. 
On XX/XX/2021 I contacted customer service representative XXXX XXXX in attempt to resolve the problem, according to XXXX there was nothing he could do to resolve the issue. I would appreciate my account being re-instated allowing access my credit card usage. 
I look forward to your reply and a resolution to my problem. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX XXXX next page ( s ) supporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Mortgage Service is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and I have no permissible purpose by law to contact third parties with my private or personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX XXXX, and XXXX credit reporting bureaus incorrectly reported XXXX XXXX XXXX XXXX XXXX as Delinquent. When Equifax Reinvestigation results shows Not Currently Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2021 someone from credence resource management called me about a debt, they broke several of my consumer rights which is, XXXX XXXX XXXX ( c ) ( a ) states that a debt collector may not communicate with a consumer without the prior consent and with credence resource management being a XXXX XXXX debt collector they didn't have prior consent to communicate with me regarding a debt, another law they broke was XXXX XXXX XXXX ( c ) ( XXXX ) which states that a debt collector can not communicate with a consumer at any unusual time, place known or which should be known inconvenient to the consumer, and last but not least is XXXX XXXX XXXX ( d ) ( XXXX ) a debt collector can not use obscene or profane language which the debt collector used when they stated I owed a debt so I'm requesting for monetary relief persuant to XXXX XXXX XXXX which is civil liability which states that a debt collection agency would owe a consumer XXXX dollars for breaking these laws and this debt collection agency violated XXXX of my consumer rights so I'm asking for a check in the amount of XXXX dollars XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I sent UCB a verification letter on XX/XX/2021 and UCB has violated my XXXX rights by obtaining and having my medical records release to them. I have never signed a XXXX form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: OK

Complaint narrative:
I spoke with XXXX XXXX, who stated he was the XXXX, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been doing my payments by my credit card for my student loans. They never follow up with a receipt and I don't understand why they can take my money but they never want to send me a receipt. I use to mail payments now I got smarter and do it by credit card to show my payments. Also so they never report the correct information on my credit report. 

It seems dishonest to not provide a receipt for a payment. I talked to Navient again yesterday and the person said they would send my receipt by email that day. I still have not received anything. 

Plus I asked about information of loan forgiveness. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: OH

Complaint narrative:
I disputed XXXX XXXX filings that populated on to my Experian Credit Report with Experian on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different XXXX than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, Experian completed their investigation and marked the XXXX to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the XXXX used for the XXXX is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new XXXX  on my credit report filed XX/XX/2021. Experian 's reporting of this XXXX  and the prior XXXX are costing me a lot!

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 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NJ

Complaint narrative:
On XX/XX/2021, I applied for a XXXX XXXX Credit Card with Capital One, and was offered the following : " Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening ''. ( Refer to Offer screenshot ) Once I received the card, I started making purchases with it to comply with the spend of {$500.00} by the offer in order to obtain the {$200.00} cash Bonus. 

I spent more than {$500.00} within the first month of use ( XX/XX/2021 ) - ( Refer to Statement ), and verified in the Mobile application when I accessed into my XXXX XXXX account, that the Bonus was being tracked, and once the {$500.00} were spent it showed " Your bonus is ready! '' ( Refer to Screenshot ) I thought the bonus will be reflected in the following billing period, so I waited but in XXXX the bonus didn't appear. 

After contacting Capital One on XX/XX/XXXX, I was told that the offer was not showing in my account, and the issue was scalated to a supervisor. 
On XX/XX/XXXX, I received a call from the supervisor, who informed that the offer was not included in the account, that they can't see why the offer was not approved, and that there is nothing they can't do to apply it. Even after asking multiple times, no explanation was given on why the bonus was not added to my account. 

Considering I opened the account, complied with the terms of the offer, and the account shows the Bonus is Ready, I don't understand why the {$200.00} bonus can't be applied. 

I am looking for the bonus to be applied considering I complied with the terms within the required period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
On or about XX/XX/XXXX I was contacted by phone by someone named " XXXX '' from Zenith Financial Network ( ZFN & Associates ). A letter from them is attached. 
He stated he could resolve a debt of mine from ( or transferred to ) XXXX Credit Card, original debt balance {$9200.00}, and it would be settled for {$1900.00}. I was confused at first, since I had never dealt with or had a credit card with XXXXXXXX XXXX  Upon looking through my records, I saw it was the same original debt and same last 4 digits of my card number from XXXX XXXX XXXX XXXX XXXX. That debt had been transferred to XXXX XXXX XXXX XXXX. Back in XX/XX/XXXX, I entered into a court settlement agreement to make monthly payments to XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX. I was paying {$96.00} per month, after a one time payment of {$4000.00}. The balance of the debt as of XX/XX/XXXX was approx {$3000.00}. 
I told XXXX I was already making payments on this debt. The caller excused himself and said he would look into it. Two days later on XX/XX/XXXX he called back and said in effect that XXXX XXXX had been contacted and if I paid ZFN {$1900.00} everything would be cleared and " go away ''. Reluctantly but wanting to pay the debt off early I agreed to make the payment. 
In XXXX of this year after the automatic payments to XXXX XXXX stopped coming out of my checking acount, I believed everything was cleared and the matter resolved. 
Earlier this month of XXXX, I received a notice from XXXX XXXX saying a Judgment was pending against me and that I owed them {$4200.00}. I have now entered into a new agreement with them.

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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I never received the bill from the Car loan company. They never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
A USAA Banking Service account was fraudulently opened under my name on XXXX XXXX, XXXX USAA was notified shortly thereafter to the fact that I had not requested or applied for their card. No activity is shown on that USAA account, as shown with the XXXX Credit reporting website. Still... the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I purchased a car from XXXX - XXXX XXXX through Mercedes Benz Financial on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that Mercedes Benz Financial does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called Mercedes Benz Financial and they are not willing to help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
The Preserve at XXXX XXXX was filled with rodents. Apartments was filled with infestation of nets, rats, and trash. This property also been on the Televison News station viewed on air publicly for these rodent problems. 
It was reported the whole short period of time, in the beginning and end of 3 months span. Maintenance never fixed any issues This needs to be deleted and removed from my credit report immediately due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NY

Complaint narrative:
XXXX, Trans Union, and XXXX credit reporting bureaus incorrectly reported US of The Treasury Account as Delinquent. When XXXX Reinvestigation results shows Not Currently Reporting.

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 2021-11-18 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: NY

Complaint narrative:
XXXX, XXXX XXXX, and Experian credit reporting bureaus incorrectly reported US of The Treasury Account as Delinquent. When XXXX Reinvestigation results shows Not Currently Reporting.

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 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a second complaint against this bank. previous XXXX OnXX/XX/XXXXI sent a check to Bank of America at their XXXX Post office box for XXXX for myXX/XX/XXXXmortgage payment with a note attached that said " do not deposit this if you have already drafted my payment '' as they usually do. I was concerned they would charge me with another late charge of {$40.00}. Well they did draft {$830.00} on XX/XX/XXXXWhen I called customer service they said that check recipients do not read anything attached to a check. They just deposit it. To get my overpayment back I was told I would have to send a copy of my bank statement to verify the check was paid. I complained that I do my banking on line and do not receive bank statements. I'm XXXX years old and do not have time for this nonsense and need my money back to pay other bills.

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 2021-11-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
Fed Loan Servicing is the worst loan provider imaginable. Every year we are required to resubmit repayment plans but every attempt is cumbersome and the forms are not easy to find or are convoluted. If they don't feel like talking to you they will just hang up, leaving you feeling hopeless ; if you don't get the papers filled out in time, your whole repayment can be thrown off, not counted, cause a credit score drop, or be put into collections. 
You can wait on the phone for hours ( you can select an option to have them call you back but they never do ) and they never respond to any other form of contact. 
XXXXvoid Fed Loan Servicing at all costs! Every one of the agents are incompetent and do not deserve your time.

Company response to consumer: Closed with explanation