vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I requested an extension on my auto loan with Capital One Auto Finance on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. Capital One Auto Finance gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. Capital One Auto Finance then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with Capital One and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: OH

Complaint narrative:
In XXXX of this year I paid off my current balance with XXXX XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?

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 2020-09-25 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: OH

Complaint narrative:
In XXXX of this year I paid off my current balance with XXXX  XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX  XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?

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 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adelante, Inc
State: TX

Complaint narrative:
I currently have a medical collection debt being reported on my credit report from XXXX  XXXX XXXX XXXX dated from XX/XX/2019. Ive tried unsuccessfully to resolve this matter through XXXX  XXXX but to avail. I havent been to XXXX  XXXX at all for any type of medical treatment. Now Im being penalized for someone representing themselves as XXXX XXXX, receiving medical care. I was told the services provided were a XXXX test. I XXXX XXXX had a total XXXX  5 yrs ago I wouldnt need a XXXX test administered for any reason. Nor, would I have a reason to visit XXXX  XXXX. They cant even provide me with identification that was used representing themselves as me ( 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 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This is Note to Synchrony bank. I wan na be clear and understandable, Synchrony bank has Ignore every piece of paper I have send, and all writing letter to the Synchrony bank. I have Placing, the NOTICE TO CEASE AND DESIST LETTER. WITH MY UCC-1, with my private security agreement. 
File XXXX # XXXX.THAT WAS Enough. Breaking my secret agreement I had enough with synchrony bank., XXXX the do has my trade name copyright. XXXX XXXX XXXX. 
My cell phone number is a private property my name is a private property I have put a warning they ignore the warning what is next, is action to put a lawsuit against them. I have enough evidence to back my claim. I can not deal with synchrony bank anymore, They are not respond in respect my privacy. they have Break the uniform commercial code. I can charge Synchrony bank for every action they have make.

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 2020-09-25 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: MA

Complaint narrative:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the  original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time XXXX  has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: MA

Complaint narrative:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this  reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time XXXX  has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.

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 2020-09-25 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2020-09-25 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Noticed this was on my credit and is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: FL

Complaint narrative:
On XX/XX/XXXX I received a response stating the inquiries are a factual record of file access. I am requesting that you provide me with the descriptions of procedures used to investigate my inquiries in compliance with the FCRA, Section 611. As a matter of convenience, I am resubmitting my request to correct my credit report. XXXX / XX/XX/2020 *XXXX XXXX XXXX XXXX / XXXX XXXX *XXXX XXXX XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020. These inquiries are not valid. They should be treated as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
We have been contacted by PayPal 's collection department twice. We do not and have NEVER had an account with PayPal. I ignored the phone calls until today in which I contacted them by phone and made it clear that we DO NOT AND NEVER HAVE HAD AN ACCOUNT WITH PAYPAL AND THEY ARE NOT TO CONTACT US AGAIN! I then pulled up their website online and filed a written complaint in which I stated that in XX/XX/2009, they charged my Visa card over {$6000.00} for the purchase of gold bullion. This was the beginning of years to date of extensive ID theft and fraud that initiated our personal and financial information sold all over the world. We did file a police report with our local fraud department and was assigned a detective. PayPal refused to reimburse me. They insisted that one of their reps had spoken to me directly to approve this transaction. After a lengthy investigation that ended up with the case being forwarded to the FBI, they did reimburse me and were told never to contact us again pending criminal fraud charges as my husband is a XXXX veteran. I made all of the above very clear in my written complaint on the PayPal website and once again made it very clear that we do not and never have had an account with PayPal and NEVER WILL! I warned them not to contact us again or I would file a civil suit against them. They are wholly responsible for the devastation of our lives and I will hold them liable if they attempt to contact us again with what is CLEARLY IDENTITY THEFT AGAIN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
I received a letter on XX/XX/2020 dated XX/XX/2020 from Global Lending Services ( GLS ) that in regards to my auto loan, my financial obligation to them had been satisfied in full along with an enclosed check for supposed overpayment on payoff. In turn, I checked my credit reports and the auto loan account showed as closed. On XX/XX/2020 I called GLS and spoke with a representative named XXXX in attempt to find out the current standing of my auto loan and provided her with the information on the letter I received in XXXX and the status of the loan on my credit report as closed. She stated that contrary to the letter I had received, I still owed on the account for the three past due months and should continue sending in the monthly payment to keep the account current. I questioned XXXX that although I am willing to make the payments to the auto loan, how will resuming payments reflect on my credit report if the status shows as closed. In conclusion, XXXX stated that she did not know the reasons as to why I received the letter in XXXX or why the account status showed as closed on my credit report and that this issue would be forwarded to her superiors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CA

Complaint narrative:
Experian and XXXX  are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so Experian and XXXX  are using incorrect information on re-aged accounts

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I just cancelled my XXXX XXXX and I did not know this was an optional service, otherwise I would have denied this service upon original charge. This is deceptive banking practices and doesn't even come up as a charge, but rather a fee on my statement. I would like to be refunded the entire amount I have been charged for this deceptive practice. It even says " PROTECTION FOR YOUR ACCOUNT! '' under this charge.

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 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: ND

Complaint narrative:
Dear Santander Consumer USA Incompetent Legal Team : Im just going to keep this short because I think the long complaints dont get the job done. You stated I am not qualified for the settlement due to my state not being on the list of eligible states. 

My car was purchased and voluntary repossessed in the state of Georgia. The address associated with my car is XXXX XXXX XXXX, XXXX, GEORGIA. 

I have also contacted the Georgia Attorney Generals office and was informed that Santander should be mailing out notices to Georgia residents ( over 20,000 notices ) by the end of XX/XX/2020 Per your website : What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your Santander auto loan : o Arizona, Arkansas, California, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, I WAS A RESIDENT OF GEORGIA AND PURCHASED A VEHICLE IN GEORGIA. THE VEHICLE WAS SURRENDERED IN GEORGIA. 

Again, please stop insulting my intelligence. Again, the offer of a pay to delete stands but the account has to be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: IN

Complaint narrative:
Revco Solutions has put non-HIPPA compliant accounts on my credit report and claiming that I owe the amount shown. There are three ( 3 ) accounts in the amounts of {$500.00}, {$280.00} and {$1200.00} for which there is no account number, no explanation and no dunning notice. 

Furthermore, Revco Solutions did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information to credit bureaus, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

Finally, I want to see an agreement with Revco 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX XXXX  XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 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: VA

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: VA

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Statement from Discover Bank shows a balance of {$73.00} in my checking account. I have called the bank several times last time over one month ago, to close the account and send the balance to me. they have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime decided to close my account on XX/XX/2020 and when I reached out on why or how to retrieve the {$20000.00} I had on deposit, they said they could not help and the funds would not be returned. I asked multiple times of how to fix the situation to no avail and no escalation. All the deposits came from an employer that I contract for and I have been received for the last 9 months.

Company response to consumer: Closed with explanation