vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management
State: IL

Complaint narrative:
Received a call from central mediation services and was transferred to a case manager, verified my name but would not verify my social security number. They said they would go ahead with the suit for an amount over {$3000.00}, and then they hung up. They only called once so far and if they call again I will try and get more information. I think this was for a debt with XXXX XXXX XXXX, a debt I never had and even verified with them I never had a account with them

Company response to consumer: Untimely response
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/XXXX ; I filed a Complaint with CFPB Regarding Incorrect Information listed on All 3 Credit Reporting Agencies by EDFINANCIAL that shows that my Student Loan account is OPEN, With a Balance of {$22000.00}. I have Shared all of the documentation with them and your agency to Prove that this Account was transferred to XXXX Through Student Loan consolidation on XX/XX/XXXX. Subsequently ; this Loan has been PAID IN FULL through the Student Loan Forgiveness Program. 
The company Responded to my Complaint through CFPB on XX/XX/XXXX ; Indicating that they were going to look into this. CFPB was somehow satisfied with this answer and closed this complaint. 
As of XX/XX/XXXX ; This loan is Still showing OPEN, with a Balance of {$22000.00}!! 
This has been over a YEAR that I have been contesting this inaccurate information on my Credit Report and EDFINANCIAL has done NOTHING to correct it with the 3 Credit Reporting Agencies. 
I Need Help in Getting this company to respond to my complaint and to remove this from my Credit Report, as they are doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Our cell phone receives multiple calls each week from RMP LLC debt collector from different toll-free phone numbers, each with the same automated message : " Hi this call is from a debt collector this is our RMP LLC please call us back at XXXX again the number is XXXX '' We have attempted to call this number on multiple occasions during business hours to obtain further information and get another automated voice message, unable to reach a live representative. 

We block their phone # and then receive similar call from another toll-free number from them with same automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AC T ACCOUNT # XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES 1 HAVE THE RIGHT TO .PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are accounts that are not mine and a few accounts that are charged off with balances still owing, How can that be when they issued me a 1099 for it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
As per Michigan Compiled Laws MCL specifically XXXX XXXX it is unlawful for a collection agency to engage in debt collection activites without proper licensure in the state.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I just wanted to make my voice heard about the Capital One 360 Savings Accounts. As I'm sure you are aware, Capital One took over ING and accounts became " 360 Savings '' and were advertised as high interest. However, only by a fluke glance at current rates and a phone call to them, did I learn they had added a new account named " 360 Performance Savings '' that actually *did* feature higher interest rates, while the " legacy '' accounts only earned .30 %. All the commercials and marketing made me ( and others ) believe we were getting Capital One 's best rates, when really they had managed to create a new line ( with the same exact terms, no new requirements ) and all new accounts were high interest, but all the existing accounts were left earning essentially nothing. There was no communication about this change. The right thing to do would have been to simply raise the rates on all accounts, and just make the switch automatically. I had to close each account i had with them and open a brand new account just to have the new name and rate. It was asinine and I'm ashamed of myself for not just leaving immediately. 

I learned of this approx XX/XX/2022. It was just upon reading an article about it XXXX XXXX XXXX  that I realized this wasn't just me, and that Capital One may have violated the law. It's too late to make a difference for me, but I do hope that going forward, changes will be made to prevent this type of duplicitous and shady behavior by banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/2024 I used this public link https : //www.americanexpress.com/XXXX to sign up for the XXXX point bonus. After sign up it only shows I am going to get XXXX. 

After communicating with chat support for about an hour I was told I was supposed to get a call back from a manager, which I never received.

From a quick search I see several other customers who are also having this issue and some were told the link was only valid if emailed to the potential customer. There is not such exemption in the terms, nor is there any indication that this a private offer only.

I, and several others, registered under the pretense that we would get what was promised in the terms, but have had the rug pulled out from under us in a bait and switch scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Incorrect and untimely billing statements : I currently receive paper bills from Macys, but I make payments online through my Macys account. I have noticed over the last year that my payment dates have been mixed up but thought maybe it was just me mixing up dates. 

In XXXX I received my paper statement from Macys with a payment due date of XX/XX/2024. I made a note of the due date and I went in to make a payment on XX/XX/2024 only to find that the due date showing online was XX/XX/2024, which caused confusion. 

This has happened multiple times over the last year which has caused me stress, late payments and incorrect credit reporting that I have made late payments. 

Macys needs to issue correct statements that match online and through mail. I typically shred my statements after I make note of the due date since I make payments online.

These practices directly harm consumers who are already dealing with inflation. Paying late fees and getting incorrect credit reporting is very harmful.

Please investigate this further and demand that Macys do the right thing and correct its billing statements and issue refunds to consumers who have been harmed with late fees and negative credit reporting.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank
State: TX

Complaint narrative:
I am writing to you as a loyal and longstanding client of 1st Progress since XXXX. Over the years, I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the FSTPROGRESS family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my payment for the month of XX/XX/XXXX. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my credit score, and I am genuinely concerned about its implications for my financial well-being. Given my long-standing history of prompt payments and my commitment to rectifying this situation, I kindly request that FSTPROGRESS consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that FSTPROGRESS has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
This was already paid off by a 3rd party company and is now affecting me getting approved for other places to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was told at first that I could only be on a payment program for XXXX  year. I asked to speak to a supervisor, and she told me its not a set term, but at the discretion of the lender. I mentioned the website doesnt give much info either. I plead with her that I had been making payments and havent been late, she said there was nothing she could do. The last person who approved my payment plan didnt mention it was coming to a final end, but that I just had to renew every XXXX months. This is very shady business practices. Now I have to choose between my home and child or my loan. She said it would go against my credit report if I didnt make full payments at the full rate. Why would they do that to someone who is regularly paying? They have been shady all along. They all but told me to go into default and then reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX has repeatedly billed me for a {$50.00} copay that was collected by their employee at the XXXX location on XXXX XXXX in XXXX XXXX XXXX. This was for a XXXX XXXX XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX covered most of the cost but their employee said there was a {$50.00} copay that we could pay her or get billed for ( NOT BOTH ). So we paid her {$50.00} cash because her XXXX XXXX was " down ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have disputed this account for the past 3 months and nothing has changed as well as no new information being updated. 

Pease read the following code : 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX  Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, The company XXXX XXXX XXXX ( XXXX ) from XXXX XXXX wired from their bank XXXX XXXX XXXX XXXX to my bank Capital One via XXXX Bank ( the intermediary ) the sum of USD XXXX. 

To this day, despite providing the XXXX number, the remittance details, Capital One is incapable to give me an answer as of where my money is. 

I also went to XXXX bank to see if they can help me. Since the money will not go to a XXXX account they will not be able to help me. This is their own words. 

I strongly believe that one of them ( XXXX or Capital One ) has my money and doesn't know where to send it. It is crazy that they can not wire it to my account. 

I checked the account number on the remittance details to make sure it was correct. I checked the routing number to make sure it was correct. 
EVERYTHING IS CORRECT. 

XXXX is my last resort as I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
capital one have the wrong date opened inaccurate information... Inquiries inaccurate I GIve XXXX XXXX permission to pull my credit not all them other car loans companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
for Inquiries I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the f.c.r.a legally these unauthorized & unverified items must be removed. They are causing hardships in my life.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to the f.c.r.a legally these unauthorized & unverified items must be removed. They are causing hardships in my life.

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 2024-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I was given a {$500.00} e- vanilla gift card by a family member for XXXX on XX/XX/XXXX. I tried to use the card recently and discovered that several transactions were made on XX/XX/XXXX, XXXX, and XXXX in XXXX, leaving XXXX remaining on the card. 

I made several calls today, XX/XX/XXXX, starting at XXXX. I spoke to one representative who gathered the card information and the problem, and the call was disconnected. I shared with the representative that the transactions were not made in the city that I live in or in a city I ever visited. After multiple attempts to reach a representative afterwards, I was unsuccessful. When I logged into the account at XXXX, another transaction was made for {$110.00} at a XXXX in the city that I live in at XXXX. The account now has a remaining balance of XXXX cents. 

According to their website, you are only able to dispute transactions made in the last 60 days. This is not a feasible policy for a gift card holder, as they are not likely to check the balance until they begin using the card. The card expires in XXXX  and all the funds, except XXXX cents, has been utilized and the company doesn't offer a solution. Customer service is not readily accessible, and their online options don't offer good resolutions.

Company response to consumer: Closed with explanation