vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
The company, XXXX XXXX has contacted my family members ( wife, mother in law, father in law, mother, father, sister, grandmother ) continuously. They have never tried to call or text me. I have asked them to stop by calling them multiple times to request they do not contact any of my family members. Nothing is working. They continue to contact anybody that is possibly related to me even after I called and gave them my number. The company they say theyre collecting for is one I have never had any business dealings with and they refuse to send me any paperwork or information showing a contract of any sort. One person I spoke with cussed me out and told me he would XXXXXXXX XXXX XXXX XXXX XXXXXXXX as well as threatening to sue for {$15000.00} if I didnt pay {$370.00}, which is the amount I supposedly owe the company theyre saying they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have 3 charges from ARS from different dates. None of those dated correspond with medical things I've had done. I've also had insurance consistently for the past almost 10yrs. I've tried several times to dispute the charges or get in touch with the company with nothing in return.

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 2021-09-01 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: IN

Complaint narrative:
Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.

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 2021-09-01 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: IN

Complaint narrative:
Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I had a barclays credit card it was charged off I paid it in a settlement it was sent from credit store to XXXX XXXX to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called XXXX back and they claim that they have no access to my account to call XXXX XXXX  back. Im getting a run around, they reported my to XXXX  and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.

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 2021-09-01 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft PORTFOLIO Account Number : XXXX-XXXX**** This is not mine. 

19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft Account Number : XXXX This is not mine. 

22. Identity Theft Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

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 2021-09-01 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: Credit Karma, LLC
State: MO

Complaint narrative:
XX/XX/21 CreditKarma emailed me an Is this info correct This is not the first time CreditKarma had pushed me to complain as a consumer. 

They act illiterate, uneducated, and I feel ignorant. 

See attached documents :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
I have not received any communication from this collection agency to verify this debt belongs to me. The collection agency reported this on my XXXX  credit report without me being notified of any debt. I have sent several written correspondence to this collection agency for prove of debt and they have failed to send any correspondence back proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX  I visited an atm to withdraw XXXX and the machine did not disburse the money but the amount was taken off of my card. I contacted the card and they told me that I would have to wait 45 days for it to go through a dispute process. I asked for a provisional credit and they refused. I have nothing to my name and they keep giving me the run around. I contacted the atm provider and they stated they needed a regulation e form from the bank and will refund me the money. They have yet to send the form. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: DE

Complaint narrative:
I submitted disputes and an FTC report for fraudulent negative accounts that are on my credit reports. The accounts are the following : XXXX - XXXX XXXX {$2100.00} Experian - XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  - XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$2100.00}

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's

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 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have been trying to get this fixed for months now I Called BBVA XXXX regarding fixing this matter that I have regarding they reporting 2 late payments on my credit report that they did in error the first one was XX/XX/2021 and the second one is XX/XX/2021 i have never been 30 days on this account. What happen is someone used my account and bbva closed that ACCOUNT and opened a new one for me but they kept trying to pull from the old account and they call me and tell me im past due when the money has been in the new account the whole time. They do not talk to their other departments so i took matters into my own hands i filed a complaint with XXXX XXXX XXXX and i got a call from XXXX XXXX OPERATIONS ANALYST XXXX I finally got to speak to her today XX/XX/2021 and i told her what the issue is and what needs to be done she tried to hit me with the fair credit reporting act laws regarding a late 30 day payment that they caused and are admitting to but saying that i can file a dispute with the bureau and i told her the bureau is going to tell me you guys have to fix the issue not them. she then told me she will put in the request regarding the late 30 days but its not promise that they will fix the issue they caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
CFPB mishandled complaint # XXXX. CFPB should have contacted JP Morgan Chase ; to the best of my knowledge, they did not. There is no reference or communication from Chase, but the case was CLOSED based on XXXX 's words, not documents which banks must use to complete transactions. Therefore, this complaint is against Chase. 
Chase did NOT advise me, their customer, that items were returned and at one time the account was frozen. XXXX reports actions beginning in XX/XX/XXXX which were NEVER reported to me until XX/XX/XXXX. Chase has denied -- several times -- that they received EFTs from XXXX ; they deny that the account was ever frozen. 
The account was NEVER overdrawn : Chase emails notifications for transactions over {$150.00}. and reports when the balance is less than {$100.00}. 
I questioned their system in XXXX, XXXX and PURPOSELY overdrew the account with an EFT. I was notified immediately and the item was paid. 
JP MORGAN CHASE notifies me of all actions regarding the checking account yet they failed to point out the problem with XXXX BECAUSE they deny any irregularities with the account. Never FROZEN, no UNAUTHORIZED USERS, no OVERDRAFTS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had two capital one cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX  but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it?

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: GA

Complaint narrative:
XX/XX/2021 I walked into Carmax I was told to put down payment to get vehicle.. so {$5000.00} cash was taken and car insurance was issued before I could leave lot {$350.00}. So I had to get insurance with esurance.. 

According to 15 USC 1605 ( a ) - down payments or cash are illegal in any consumer finance charge everything should be included in the finance charge. And 15 USC 1605 ( a ) ( 5 ) -insurance should be included in the finance charge NOTE* a finance charge is the sum of all charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had two XXXX XXXX cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed

Company response to consumer: Closed with explanation