vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent Experian a followup letter regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian, XXXX nor the creditorXXXX XXXX XXXX  XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including Experian, XXXX and the creditor, XXXX XXXX XXXXXXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and 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 2021-06-25 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: NV

Complaint narrative:
There are a few accounts listed on my credit report and inquiries that I did not authorize. Please remove 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 explanation
Consumer complaint received 2021-06-25 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: NV

Complaint narrative:
There are a few accounts listed on my credit report and inquiries that I did not authorize. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with Capital One Auto Finance. I was violated on my rights as a Consumer. Capital One Auto Finance has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX . I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
CBA XXXX is currently reporting an alleged debt that they state I owe. The debt seems to be for services rendered from a medical service provider. I have requested validation of said debt and was sent a one sheet of paper that provided no significant information. I am on my third validation request from them w/no luck. 

They are located in Georgia however I can not find them on the Georgia Secretary States. I can not locate a registered agent for this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a entry from XXXX on my credit report from Experian. Notation says that the account was open in XXXX, but there is no payment history on the report for a 4-year period, from XXXX to XXXX. 

I have written Experian about this several times, and also called in to have an investigation done., to no avail. 

I am requesting that XXXX be deleted from my report for inaccurate and incomplete information.

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 2021-06-26 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: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with representative XXXX at XXXX XXXX XXXX. She guaranteed me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX marked as late on my report. I paid each of those months and tried to speak with credit XXXX XXXX XXXX and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 3payments should not be reported on my credit report as late. XXXX XXXX XXXX has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.

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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX around XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$55.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. They agreed to remove erroneous charges. On XX/XX/XXXX received XXXX  Credit bureau notification that Delivery Financial reported the {$55.00} Medical Debt. I called Delivery Financial to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Delivery Financial is investigated for reporting collection debt to credit bureau and ruining my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " XXXX  XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, Equifax nor the creditor, XXXX  XXXX XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, Equifax and the creditorXXXX XXXX XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: T.S. Holdings
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " I Q Data International INC account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, XXXX  nor the creditor, I Q Data International. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, XXXX  and the creditor, I Q Data International, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TX

Complaint narrative:
I was notified that in XX/XX/2021 there was a account with XXXX XXXX that was unpaid under my name that does not belong to me. I opened up a dispute with both experian and XXXX about this account that didnt belong to me. I got notification that my dispute was closed because XXXX confirmed the information is accurate. Each time I have spoken to the fraud department at XXXX they have not been able to tie any open accounts to my name or social so I dont understand how they are able to verify this inaccurate information. My credit score is clean and I have not defaulted on any of my payments in the past. This inaccurate report is affecting my credit score and report and I cant seem to get it taken care of appropriately.

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 2021-06-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CO

Complaint narrative:
XXXX XXXX is reporting my loan late in XXXX, 2021. As XXXX XXXX clearly states in a response to my complaint to the XXXX, I was not late in any payment XX/XX/ 2021. These lates that are reported to all three credit agencies and reported differently must be corrected to on time status for XX/XX/ 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I purchased a replacement vehicle through XXXX XXXX in XXXX of XXXX for XXXX. Vehicle had check engine light on and I brought it back twice as I had 30 day warranty. I was told both times that it was a fuse that caused back lights/brake lights to malfunction and cause the check engine light to stay on. Fuse was replaced but check engine light stayed on. Car was not running properly and overheating. I brought the car back within the 30 days and the car stopped overheating for a few weeks and the check engine light never went away staying on since I the day XXXX bought it. The car started overheating and I was forced to take it to different mechanics in XXXX, XXXX, until I took it to a XXXX XXXX dealership and was advised that to repair the car it would cost more than XXXX and I couldnt afford to pay that. Throughout this time I placed numerous calls to XXXX and fell behind immediately on payments due every 2 weeks due to repairs done by non XXXX mechanics. The mechanic that looked at my car twice at the location I purchased it from was not a mechanic he detailed cars that were bought at auctions and sold to consumers like me that due to a divorce destroying my credit. I was told that I had purchased a warranty when I call to surrender the vehicle due to it breaking down and repair costs were over XXXX, but I couldnt use it because I was over the mileage by XXXX miles. I was also told that I financed this warranty that cost over XXXX. I was shocked and called the location I purchased it from to ask the manager about it and he told me that he would get back with me and never did. Before I purchased this vehicle Id purchased a XXXX that unfortunately was totaled due to a car accident and I came back to them due to the first experience purchasing a vehicle from them. 
As of today they continue to report on a monthly basis false information such as balance, term, balance due when the car was sold and they charged off account. The information provided to XXXX XXXX and XXXX  do not match and Ive disputed the inaccuracies with all 3 credit bureau and when I called to get a copy of the agreement I was told that due to XXXX being bought out by Bridgecrest they couldnt find it. I continued to dispute the inaccuracies for 6 yrs and after reviewing the updated information I called Bridgecrest again today to ask why they continue to report incorrect information and advised that I would be contacting the credit agencies to advise on their abusive tactics and that they refuse to provide me any documentation or agreement and their response was verbatim prove it and call was terminated. I dont know what to do and feel that this has gone on for way to long and I should have some sort of right to defend myself and my credit from their abusive in house financing which they say this will never go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I have been trying to get a payment plan Ive been impacted due to the covid 19 and having financial hardship ally has not been in compliance with the CARE ACTS on XX/XX/XXXX I was able to put two month a behind only if I paid XXXX by XX/XX/2021 and than other XXXX by XX/XX/2021 which isnt really any help Im in need of a payment they also report to the credit bureau late payments three times and XXXX lowered my credit score Im trying to get back on track but its causing a distress on me. Please help

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: OH

Complaint narrative:
In the first week of XX/XX/2021, I received an unsolicited MoneyLion Mastercard debit card ( XXXX, powered by XXXX ) that included a direct deposit form, account number, my name, a routing number, and an account number. I did not apply for this card. I have never heard of this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: ME

Complaint narrative:
Unfortunately I am going through fighting with my mortgage company BSI Financial. Who stated they would pay my property taxes via my escrow. Now I have received a letter from the town tax collector they have put a lien on my home because property taxes were not paid out by BSI. Their excuse was it isnt due until XXXX. The original letter states vey clearly {$780.00} was due XX/XX/2021 for XX/XX/2021taxes. Perhaps a mid year as the total is roughly as much. Im stuck between a rock and a hard place. I was not given a decision of who carries my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NY

Complaint narrative:
I have a Capital One Spark Business card for a XXXX  XXXX  that I XXXX. Capital One offered a XXXX dollar reward for referring another business. I own another XXXX XXXX. 
It did not have a Capital One Business card. So I referred it. 

The small print on the offer stated : " To receive a bonus, you must refer businesses that do not already have a Capital One Business credit card. '' Capital One did not credit me the XXXX dollars and did not inform me. After a LOT of effort on my part they informed me that since I own both businesses I am not eligible. 

That is not what it states in the Small Print. If that was the case, then the Small Print should state : " the individual owning the referring business may not refer another business that the same individual owns ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$400.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
citizens bank would not do a charge back for XXXX dollors for something I ordered online that never arrived and the company I bought it from disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I attempted to cash a USPS money order on my account at M & T Bank, XXXX, Maryland. I have submitted a complaint about the indefinite hold on my funds. 

This complaint is to address M & T Bank 's patently false and misleading statements regarding the availability of my funds in its offensive written communications, its app and website. 

Although I deposited a USPS money order, my funds are being held indefinitely while M & T treats me as a criminal and does a " fraud '' investigation. Yet, on both the app and website it states that my funds are available. They are not! This is patently false and misleading as nobody can tell me when my funds will be available. Moreover, I received an extremely offensive letter from M & T misinforming me that my funds would be available in five business days. 

Ironically, while treating me like a criminal, M & T is actively providing false and misleading information about the availability of my funds on its app and website.

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