vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: GA

Complaint narrative:
These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: GA

Complaint narrative:
These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XXXX , XXXX, Experian

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Century First Credit Solutions
State: NJ

Complaint narrative:
In XXXX XXXX I signed a contract with XXXX XXXX to repair my credit. In this contract we agreed I was gon na make payments for 30 months and all my accounts were gon na be pay and my credit repair. Is been 5 years since that day where I Made all my payments but the company XXXX XXXX has not yet resolve my credit problems. I tried reaching out to them but they never pick up the line and when they do they never give me a resolution. I would like for my credit to be fixed and all my debt pay off As I was promise in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

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 2021-10-06 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: MI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CDI Affiliated Services, Inc.
State: OR

Complaint narrative:
Debt Collector : CDI Affiliated Services XXXX XXXX XXXX, ID XXXX Date of Statement : XX/XX/2021 Amount of alleged debt : {$4900.00} Reference number XXXX Date of Service : Not included on the statement - unknown Provider of Service : XXXX XXXX XXXX  Reference number XXXX I received a notice from the debt collector CDI Affiliated Services, XXXX XXXX XXXX, ID XXXX. on XX/XX/2021. I responded on XX/XX/2021 with a Debt validation letter asking for an itemized breakdown of the charges and fees, a copy of my signature with the provider of service to release my information ( HIPPA ), and proof that this company has the legal authority to collect debt in my state. I also asked that all communication is through letters. ( I copied the FTC Debt validation letter ). I sent it a certified letter.

I followed up 3 weeks later with a call to see if they had received my letter and when would I receive a response. I told them that the phone number that I was calling from was for work only and that I only wanted to communicate through the mail. I was told on the phone that my letter was received and being processed. 

I was assured that I would receive a response to my letter. the phone call ended. 
The next day I started receiving 3 calls a day on my work phone.

two weeks late I received another bill with a breakdown of cost for a procedure that I never received. I did not receive a copy of my signed HIPPA release authorizing the release of information to a third-party creditor, and I did not receive proof that this company has the legal rights to collect debts in Oregon.

I did not have the services that they are saying that I had. I am too afraid to call because I am still getting two to three calls a day from them at XXXX. 

I sent another certified letter and I have not received any response. I am sending the second letter again tomorrow in hopes that this can be resolved. 

Now the company has reported the debt to the collection- this is against the Fair Credit Reporting Act. I had asked in the debt validation letter to Cease any credit bureau reporting until the debt has been validated by me. 

The company has not complied with any of my requests and instead, I am receiving multiply calls from the company as a harassment tactic. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One was offering {$200.00} credit to apply for their Quick Silver credit card. I applied for the promotion and my credit card was approved. Terms of the original application and email that Capital One sent me, clearly stated that a {$200.00} statement credit will be offer to new approved customers. Once the card was received at my house i started using the card and i spent the {$500.00} listed on the offer in order to obtain the advertised {$200.00} credit. When i received my first statement, the advertised {$250.00} credit was not added to my statement. I called Capital One and the told me that they didn't give me the {$200.00} because i didn't qualify for the promotion. Capital one never gave me a counter offer to accept nor told me that i did not qualify for the original offer that i was applying for. I requested Capital One for documents stating that i was not approved for the original offer and that a counter offer was given to me. Capital One never replied back. 
In conclusion, Capital one lured me in by sending me an email with a promotion that they never offered. They made me spend {$500.00} in their credit card putting the false idea in my head that i was going to received {$200.00} credit. They made me sign documents, give private information and never send me a counter offer. I never applied for the card they gave me and they are clearly false advertising and offering false promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Purchased a car from Honda dealership XX/XX/XXXX. The car was totaled XX/XX/XXXX. XXXX  insurance paid {$22000.00} on XX/XX/XXXX. Gap coverage was purchased upon purchasing the vehicle. Gap coverage paid {$3800.00} on XX/XX/XXXX. Additional warranty was purchased at time of purchasing the car. Warranty paid {$1300.00} to American Honda financial on XX/XX/XXXX. This totally paid off American Honda financial. XXXX credit bureau was reporting 30 days late but have since taken American Honda financial completely off of credit report. XXXX has never reported American Honda financial as I know of. XXXX, which I have disputed several times in the past 2 to 3 months has not taken off the 30 days past due. I have attempted to talk with American Honda including a supervisor to which they refused to delete the 30 days late payment status. All payments from XX/XX/XXXX to XX/XX/XXXX were made as promised. The payment received from XXXX  insurance in the amount of {$22000.00} was paid directly to principal as well as the gap coverage of {$3800.00}. Payments on the loan were due the XXXX of each month. The extended warranty payment of {$1300.00} was paid to principle plus interest plus a late charge The late charge should not has been processed until the payment was 10 days past due. There was a 10 day grace period for the payment to be received. I have spoken with XXXX and American Honda financial and they will not delete the 30 days past due payment status. I would appreciate any help you might could provide. Thank you very much in advance for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've been battling with Experian since XXXX regarding the bankruptcy they're reporting. 
At first they claimed that XXXX XXXX was the furnisher of information regarding bankruptcy. 
XXXX XXXX deleted bankruptcy. I brought that to Experian 's attention. Then Experian claimed the Courthouse gave them the bankruptcy information. I sent Experian a copy of letter from both the Courthouse and XXXX, both stating that they do not report to any consumer reporting agencies nor do they confirm bankruptcies. Furthermore, due to privacy issues no one 's full social security number is ever listed in XXXX therefore making any supposed bankruptcy unverifiable. When a disputed item is unverifiable it must be deleted by the credit bureau. 
Experian has basically committed fraud by switching up who they say the data furnisher is and that bankruptcy has been properly validated/verified. Experian is in violation of the FCRA and my consumer rights.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a request for validation to said company Hunter Warfield , Inc Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I also sent another request for validation on XX/XX/2021. I have not received any correspondence back from company! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC
State: WA

Complaint narrative:
On XX/XX/2021 I notified PERSONIFY FINANCIAL with a cease and desist notice by post mail. However, the post office returned the notice back as undeliverable. The only information I have for this institution is the information XXXX is reporting on my consumer report. I am notifying PERSONIFY to provide me with verification of this alleged debt and that they cease any and all collection efforts as well as any communication in regards to this debt to any and all mediums including XXXX. XXXX has NEVER had my direct consent to publish this information on my consumer report and is currently harming my reputation. PERSONIFY has also attempted to sell this alleged debt to a third party by the name of XXXX XXXX. I have also served XXXX XXXX with a cease and desist. I am holding each of these institutions equally responsible for the infringement of my consumer rights and demand that they be held accountable for their violations. I am demanding that until they can provide me with documentary evidence for this alleged debt they delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: VA

Complaint narrative:
This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i. 

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.

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 2021-10-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, I sent funds to a family member using my credit card from Capital One. I immediately noticed that there was a Cash Advance fee of {$10.00} for the transaction amount of {$64.00}. On XX/XX/2021, I paid the amount of {$74.00} leaving a balance of {$0.00} on my card. Later charges were made by me, and what I am noticing is that Capital One has continued to charge me a Cash Advance Interest fee. The explanation given by Capital One customer service reps was that I needed to call in the get a pay-off figure before paying and that the CA interest will continue to accrue at the variable rate of 26.99 % until the balance is paid in full (? ) well it was! is what I explained. 
I have attached a copy of my statement charges. 
I am aware of how they make their money, it's all on high-interest rates and fees, but don't go overboard with it. This is taking advantage of people who are trying to rebuild their credit. 

Thanks for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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: VA

Complaint narrative:
This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i.

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.

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 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I believe I am eligible for loan forgiveness through the PSFL program. I submitted employment certification documentation for the two employers I've had since XXXX. I first submitted paperwork back in XXXX of XXXX and was later told they didn't have it. I resubmitted it again around XX/XX/XXXX and waited a couple of weeks to give them time for processing. When I called back I was told it was under review and could take months to show on my account. I didn't press it because there is a moratorium on payments due to COVID, but then I tried to call again today because I'm certain I have the eligible number of payments to have my loans forgiven under the new waiver program. I have currently been on hold for over 3 hours and when two humans finally picked up, it was to transfer me or hear my question for less than 1 minute and then put me back on hold for another hour. Fed Loan Servicing is a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: First Technology Federal Credit Union
State: MA

Complaint narrative:
I purchased a camera package online using my master card issued by the First Tech Credit Union. however the merchant used bait and switch technique and increased the price of the promised item after the purchase. When I received the item, it didn't seem to be genuine as the packaging was not original and the items were in opened boxes. I tried to reach out to the merchant serval times to cancel the order prior to it was shipped they didn't respond to my phone calls or emails. 

I contacted First Tech Credit union customer service on XX/XX/2021 to initiate a dispute for the credit card charge. I received a letter from First Tech Disputes team to request additional details regarding the purchase. The same letter advised me to ship the items back to the merchant. 

In the mean time, I tried to work with the merchant and returned the item back them. The merchant agreed to refund my money once they received the item. The merchant told me that they advised first tech to refund my money. 

I provided this proof to the bank along with email chain that I had with merchant. To my surprise, I received a notice from First Tech denying my claim with no specific reason. When I initiated this dispute, first tech sent out a letter to the merchant saying not to issue a credit to me and notifying them that the amount has been deducted from their account.

The merchant is denying to issue a credit citing the letter from First Tech. I have been trying to contact First Tech to issue the letter but was given different information the each time I called. They finally refused to issue any such letter today. I believe this bank has misled me throughout the process and caused me a lot of grief and stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation