vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
to whom it may concern, i have an old debt that is over 8 yrs old from XXXX  XXXX in the amount of XXXX i recevied a letter from PRA LLC A.K.A . Portfolio Recovery Associates that states i owe XXXX on XX/XX/21 i sent PRA a certified letter that i have attached with this case. it is now XX/XX/21 and i still have not received the information that i requested. i have confirmed with them by phone that they have received the letter. i even have the receipt that it was delivered. unfortunately if you look up the tracking number it still will show it in transit. i have spoken with usps numerous times about changing the information but they refuse to. as for my second certified letter it is having the same issue. i truly believe they know someone at that p.o., i find it funny that both letters miraculously find a way to go missing. 

they have repeatedly harrassed me through letters and phone calls. please investigate them. the are refusing to provide me with info that proves they have a right to collect this debt.and placed this debt on my credit report. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been the biggest XXXX for Capital One for years. I XXXX XXXX to get these cards. They have always provided outstanding customer service and been my partner. I have had this account for almost a decade. 

All of that said, it is clear that they are changing their ways! 

I made a payment of {$4700.00} ( payment made weeks before the statement due date ) and after 4 days they had not released the available credit. They even continued to approve charges the day they received the payment but then went into lock down the day after the payment. When I called I was told that this is common when an excessively large payment has been made. The clerk then checked the card to find that this payment was not excessively large for the history of the account. He then said during this tough times it is not unusual. When asked if there was anyone I could speak with he said no. The funds have cleared my checking account and are past the retrieval date. This is unnecessary and totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: AES/PHEAA
State: CT

Complaint narrative:
I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: PA

Complaint narrative:
On XX/XX/XXXX with no response. A recent letter on XX/XX/XXXX with no response. I sent the letters regarding inaccurate and unknown things on my credit report. To this day over 30 days later. I have not received a response. This has been an ongoing issue since XXXX that has not been resolved. I feel like I being taking advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: MD

Complaint narrative:
UHG claims I owe them money and I have NEVER went into a contract with them. They are a bulk debt buyer and along with 3 other companies have claimed that I owe them money. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. They have claimed to serve my father on XX/XX/XXXX however my father passed away XX/XX/XXXX. They have harassed my family and I multiple times. I have contacted XXXX XXXX XXXX XXXX ( the original creditor ) and they state that I don't owe them money either because my account has a {$0.00} balance. I have contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I took out a loan for XXXX, but I made a XXXX dollar payment online. On XX/XX/XXXX, Cash Central tried to take XXXX out of my husbands and my account, but our bank thought it was a fraudulent transaction. Cash Central collection dept is contacting me and telling me to call them so they can charge me extra for my account being past due or where my payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants Credit Guide Company XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA, XXXX To : The Office of Registered Agent for Merchants Credit Guide Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
A lot has happened this past year and I've definitely felt the struggle and financial consequences of a collapsing economy during the height of a pandemic. I tested positive for XXXX and eventually lost my job. Having done business with Chase Bank in the past, I'm well aware of their credibility in regards to wealth management and also serving their clients. Wanting to do everything possible to protect my assets, I turn to Chase Bank and utilize them as to be my main financial service provider. My account went negative at one point and Chase Bank, without explanation, notification, or any regard to me as a human being, close all accounts I had with them. on top of that they reported, and continue to report false information to the credit agencies claiming they " wrote off '' over {$6000.00}. Has anyone ever, in their life, heard of a Bank allowing a personal bank account go negative that much? I very strongly feel at this point personally attacked as if they " had it out for me '' because of a heated communication not long prior to this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am not indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX OUTP ) Account # : XXXX Date Opened : XX/XX/2019 Balance : {$670.00} ; SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized accounts, my deragtory remarks. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX Account XXXX XXXX Filed : XXXX XXXX Type of Account : Collection XXXX XXXX XXXX XXXX, TX XXXX Phone:XXXX Reason : THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.Regardless of the multiple written requests, the NAVY FCU accounts are still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has violated my consumer rights and furnished a bankruptcy on my consumer profile. It has not been verified. Transunion said XXXX verified but XXXX does not have the record. Then they said the courts but the courts said they do not sell or distribute consumers personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus 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 reporting on my Credit Reports : 1. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; 2. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 3. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$0.00} ; 4. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; XXXX. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 6. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$340.00} ;

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 2021-11-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 90 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX heavily promotes opening a new credit card and does this by claiming to offer a 15 % immediate discount on the first purchase using the credit card which must be used within 30 days. I applied and was approved for the card the same day as per requirements resulting in a hard inquiry. However when I tried to use the discount for a product listed at a full ( non-promotional ) price with no other promotions applied the website indicated that the " order or profile dose not qualify for the first purchase discount with XXXX Credit Card ''. I tried this with multiple items and received the same exclusion message. There is a link to the First Purchase Disclosure and I can see nothing listed that would exclude any of the items that I tried to purchase. I was not successful in finding an item that was eligible for the discount. 
I ordered the item ( order date XX/XX/21 ) with a lower alternative discount applied, but

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found 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 inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
CkS Prime Investments , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Has been sending me a collection notice balance {$1200.00} The collection has reported as a pass due balance. I dont know this company. I have never done business with company. This company doesnt have a contract with my signature.

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 2021-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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