vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I sent a payment to XXXX XXXX XXXX but the check was returned because the address was incorrect. I noticed on my credit report that commonwealth financial systems had the debt for {$87.00}. I sent a payment but it still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I the natural person and original creditor XXXX XXXX XXXX XXXX ) was entered into credit transactions that I did not authorize or consent to. I am a victim of identity theft and fraud. somehow my information got onto the dark web and now these scammers are using my information to open new accounts and apply for new credit without my consent. I attached both of my FTC Reports that I filled out ( # XXXX & # XXXX. I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. REMOVE IT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/21 I used Capital One services online, with the assistance of one of their representatives guiding me, to purchase a cashiers check. It was supposed to arrive by XX/XX/21 to its destination. The check did not arrive and I contacted both Capital One and XXXX XXXX to see why the check was still in transit. After about a week, It was determined by XXXX XXXX that the package containing my Cashiers check was in fact lost. It had been sent to a warehouse where packages with damaged labels go, so the package had to get opened to be logged into the system. The package was never logged in, so it was assumed from that point that the check could have been stolen. XXXX XXXX promptly sent me a letter confirming what occurred and requested I immediately stop payment on the check. I submitted an affidavit along with the letter from XXXX XXXX to Capital one. I spoke to a representative that told me they would escalate this, because it could potentially turn into a fraud situation, and to call back to confirm the affidavit was processed. When I called back, I was told that I had to wait 95 days for them to do research and make sure the check was in fact lost before they can give me back my money. Today, I was told it wasn't even a guarantee and that they would do anything for 95 days. or that the money would be returned. In the meantime, I am missing a lot of money and now have to pay more interest to the company that was supposed to receive the payment, because I don't have the money to get another certified check, until the bank releases the money to me again. They have all the information they need, and know the check is lost, but will not give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: IL

Complaint narrative:
I have attached Equifax 's response to my complaint # XXXX in which I requested that they remove " Bankruptcy '' from my file as I have been turned down by credit card companies, as a result of this statement. I do not believe that the spirit of the company is to hurt anyone but it does not create the reality of making this statement on my credit report. The bankruptcy filed was an error and it was quickly removed by my attorneys. However, no bankruptcy existed after one week. Therefore, all my creditors were fully paid and there were no charge offs. Equifax insists on using the " Bankruptcy '' even though it did not happen. I would ask that CFPB pleas use their enforcement powers to have this language and case removed from my credit report and any references. 
See attached from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  TRANS, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.

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 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
A person paid me XXXX from her bank account via the Google Pay app on XX/XX/XXXX, and on XX/XX/XXXX her bank shows it cleared/deducted. I spoke with Google today XX/XX/XXXX, and they claim the transfer is still pending. I simply want my money. I've never had a problem with any other app such as XXXX, XXXX, or XXXX. I could be wrong, however if Google does this on many high dollar transactions, as long as they hold the money they could be earning interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a checking and savings account package with Citibank while there was a promotion for a {$400.00} bonus if {$15000.00} was kept in the account for 60 days. The bonus was supposed to credit after 90 days. During that period, I contacted Citi to confirm that I was eligible and enrolled, and multiple customer service representatives said I was. After I did not receive the bonus, I contacted them again, and they stated they were " not aware of any promotions offered in conjunction with the opening of your account. '' I faxed them over screenshots of the terms and conditions of the promotion, which do not have a specific sign up code required and state " Customer is automatically enrolled when applying online. '' This matches what the previous representatives said before Citi decided to not honor the terms of the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United Accounts, Inc.
State: TX

Complaint narrative:
Yes a lady by the name of XXXX XXXX called and left a voicemail for me on behalf of XXXX XXXX stating she was from a proceeding office and she had instructions from XXXX XXXX and XXXX XXXX to file a lawsuit against me. I called XXXX XXXX and spoke to multiple people and none of them mentioned a lawsuit or anything of that nature. The reps offered me a chance to pay the debt for {$200.00} due to the company having a promotion and then gave me a number to a United who didn't have my file so I called back to XXXX XXXX to try to pay the {$200.00} and again it was the XXXX XXXX who was trying to file a lawsuit against me that XXXX XXXX gave them. I then called the XXXX number since they are the ones who called me today and were the one who are trying to sue me and take me to court and told them about the promotion. The lady I spoke said she called the president/owner and he said that I couldn't have the {$200.00} promotion because the lady who wants to do the lawsuit didn't agree with it and I know for a fact that debt collection agency accept offer all the time for less than the amount and I'm not sure if its because I haven't been notified about this debt or if the lady was just having a bad day but something seemed off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with BEST BUY/CBNA, XXXX XXXX  XXXX XXXX  and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA, XXXX XXXX  XXXX/XXXX  XXXX  and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA, XXXX XXXX  XXXX XXXX and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding in accurate and unknown things on my credit report. 

To this day exactly 60 days later I have not received a response yet. 

I feel like Ive been taken advantage of and me and ignored on my dispute. 

Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my current point and it has been at least 60 days and should we delete it properly.

I demand these accounts be deleted immediately or I will file litigations due to the stress you caused me.

My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime ( XXXX XXXX )  advertises a Credit Builder Card that you deposit funds to and then spend on. This account has never been in the negative as far as I was aware, as the account always appeared funded. Apparently, there was a " Secured Account '' linked to this card that is NOT visible through the Chime Banking App that has been ranking up 100s in charges. I need help determining what I truly owe to them but this seems EXTREMELY predatory. To make the debt not visible, allowing me to think that my " secured '' credit card was funded, and to not show what i " owe '' on XX/XX/XXXX until the beginning of XXXX seems very suspicious. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
ON XX/XX/XXXX I WROTE AND SENT A LETTER EQUIFAX, XXXX, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  XXXX, AND EXPERIAN. TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.

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 2021-05-06 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company SCA COLLECTIONS XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/AgencieXXXX XXXX XXXX, Equifax, XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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