vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I've tried to contact barclays about a purchase made on XXXX XXXX XXXX  from XXXX XXXX XXXX and couldn't be helped by this company. I made a purchase from XXXX and the business later on sent me an email saying that an error had happened and one of the items I've order was out of stock but didn't show it on the site. I then had them cancel that item for {$7.00}. After multiple contacts with the business, they all told me they see the mistake they had made, which only gave me a partial refund of {$2.00} they said they would fix it. Weeks went past as I watched my credit card statement and no correct refund was applied, I kept contacting them ( 3 times in all ) and each person told me the same thing, that they see the mistake on their side but is refusing to correct the issue maybe in hopes I'll give up so they can scam me out of a few dollars like maybe others. Well today ( XXXX ) I've tried to contact barclay and they too are refusing to help me get my refund back of {$5.00}. Sad that no one can assist with a {$5.00} refund and I have to come here.

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 2021-12-02 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: NY

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
2 weeks ago I received a letter from a debt collector company, called " ASSET ACCEPTANCE , LLC '' The letter indicated that, I have a debt collection from XXXX bank for amount of XXXX dollars. I never had a chase bank credite card in my life, I always applied but have never got approved. That was so scatchy so I called the company and told my situation. They told me the account was opened XX/XX/XXXX and the person whoever opened the account had my SSN, they stop paying the payments in XX/XX/XXXX then in XX/XX/XXXX judgement was applied to the account. The person who ever was using the credit card started to make payments on that judgement but in XXXX payments were stopped. There were no payments after XXXX until the ASSET ACCEPTANCE , LLC found me 2 weeks ago. Now they want me to pay the balance of XXXX dollars. 

Even though I was in the United States between XXXX to XXXX, I did not own any credit card from XXXX Bank ever. I left the country XX/XX/XXXX and never returned till XXXX XXXX. I wasn't even in United States when the judgement applied to this chase account or when the payments were made til XXXX. 

After talk to the person in charge of my collection she told me to get a police report and fraud affidavit and she told me to use this web site to get the affidavit. 

I do not know who opened the account or made payment till XXXX but it was not me. As I mentioned I applied for XXXX XXXX XXXX XXXX  many times and never get approved and s I stopped applying. This is not my account or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prince Parker & Associates
State: KY

Complaint narrative:
A caller from XXXX XXXX on caller ID has called my office numerous times and spoken with myself and my office staff about a debt that has already been paid. After their last call to my office, I informed them that I was fed up with them calling my office and would be filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. 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 is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2021

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 2021-12-02 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. 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 accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CA

Complaint narrative:
My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

COMENITY BANK/EXPRESS Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due 60 days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
There is a collection that I have already disputed with nothing received in return. This is an unknown account, I do not owe nor have I had any business with this company. This is a mistake that I was never notified to be able to request validation before it was added to my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To whom this company This company has lied on XXXX stated they placed my name in collections I've talked to XXXX they stated this is a fraudulent collection agency .. they have no right to be sending collections letters to me. The company name that sending me collections letters { WWW.ICSYSTEM.COM.COM }. location. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. # XXXX reference # XXXX {$310.00} the amount the are placing on my credit 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 2021-12-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
i never apllied for credit with these people comenitybank/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they keep running my credit and it shows hard inquirys they are running this without my permission i have contacted and got a remark ohh well live with it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have items showing on consumer report claiming to be mine. I do not have a contract with these corporations to collect anything from me. Ive written multiple dispute letters to XXXX and equifax about the issue and they have yet to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX made a stock suggestion to purchase XXXX XXXX  XXXX XXXX XXXX. He accepted a check written for 16k that was made out to XXXX XXXX. He also owed me 4K that he said he would add to that account which would be a total of 20k investment. The stick certificate he gave me looks to be false. I never received any statements of that investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have requested debt validation from ARS collection in regards to XXXX accounts I supposedly have with them. One for {$1600.00}, another for {$440.00}. and the last for {$390.00}. I sent out my first debt validation letter at the end of XX/XX/XXXX2021 and what I received in response from this company was a bill dated XX/XX/XXXX with someone else 's name on it. Showing with only two of the three accounts, but the one not on the bill ( {$1600.00} ) shows on my credit report from them. I sent out a second debt validation letter on XX/XX/XXXX, this time certified mail. It shows picked up on XX/XX/XXXX. I have not received further response from this company on the required information I am asking for. I do not have knowledge where these bills are coming from and what they are for. They continued to show up on all XXXX credit bureaus and want them to be removed if they are not providing any information to 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 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
Diversified Adjustment CenteXXXX keep calling but won't give the reason they are calling XXXX or XXXX times a day. They ask me for my information or just hang up everyday. Their number is 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I contacted R. A. Rogers, Inc in XXXX, MD to request documentation about the monthly payment plan I am on to pay off an auto debit from XXXX XXXX. I was told by the representative on XX/XX/2021 that because of the COVID pandemic I could not request this information from their company. Also, I was told that the company does not have an email address and can not send me documentation. I checked their company website and they do have an email address. Their statement regarding not being able to provide me with documentation because of COVID is false. I have contacted several debit collectors on XX/XX/2021 and was able to get documentation stating my payment plans. My credit has been effected because I am not able to provide proof that I am in a payment plan. I have reached to XXXX on XX/XX/2021 to get this resolved so my credit can be improved. I've noticed from R.A. Rogers ' reviews online that they have a habit of lying to their clients. Several people stated they R.A. Rogers said they did not buy off the debit from their original creditor ; I was told the same on XX/XX/2021. I contacted my original creditor, XXXX XXXX, and they said R.A. Rogers did buy the debit since they are a debit collector. I do not understand the unethical and false nature of R.A. Rogers. They respond to messages to these complaints in a rude manner as if the person trying to get information about what they are paying to them is the problem. I plan to seek legel action against R.A. Rogers if I do not receive the requested documents to improve my credit within 30 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: NE

Complaint narrative:
This compant holds a high value trust under the instruction of a person named XXXX XXXX XXXX who is perhaps the XXXX XXXX XXXX XXXX. The acct should be in my name being that it is under my XXXX XXXX XXXXy. This man could of very well changed it by now. They accepted the transfer and has allowed this man to steal my money without checking the validity of the information from the party whose acct it is. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with XXXX was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and XXXX 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The XXXX XXXXr did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To whom It may concern, I request validation of the following 2 debts : NATIONAL CREDIT SYSTEMS XXXX and NATIONAL CREDIT SYSTEMS XXXX. Per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) XXXX XXXX XXXX information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to my debt validation request, then you have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
This is already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I am a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My former request for you to make sure you present me along with the info as to whom you chatted to like the addresses and names of the person or persons got into contact with has unfortunately not even been filled. At the moment I am looking for a lawsuit and also have started the whole process of calling legal " counsel ''. I'm seeking for one final time that you still generate me making use of the important information that has been recently asked for and in addition to that make sure furnish me with a copy of the agreement settled or voice chat where I signed up charging me from this account.

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 2021-12-02 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: EOS Holdings, Inc.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive filed multiple disputes with this company yet theyve still havent resolved the issue with my consumer report. I dont have a contract with any of these companies to collect any money from 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