vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 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: MO

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have never been late on this account I would like to see financial accounts showing I was I reached out to the credit bureau for a solution and got no reply. the day was XX/XX/2021. the company doesn't report monthly as agreed in loan contract.

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 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: FL

Complaint narrative:
Fox collection has continued to harass me and threatened to damage my credit after advising me the matter was completely taken cared of per the supervisor which I have a voicemail from her advising me of this. But once again in their true fashion they continue to harass me every other month. I don't owe this debt and at this point I'll be taking legal action against this company. They put things on my credit to then remove them. The supervisor told this issue was done and resolved but now 2/3 months later it's the same XXXX!!

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

Complaint narrative:
I have several inquiries listed from companies that I have not requested anything. I dont understand how this is right for them to do. I let them know that I did not do this and this need to be deleted but they keep reporting. Please delete this information because this was not something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
3 disputes that the bank ruled in favor of the merchant were not properly investigated and the merchant did not provide documentation to verify the transactions or to verify we received services therefor under FCRA regulations Im requesting the following : 1. ) Individual Receipts from the hotel that verify the charges that occurred on XX/XX/XXXX from XXXX XXXX XXXX - all 3 transactions occurred separately and were charge to my account individually. 
2. ) Copy of Hotel Reservation indicating we received services ( check in ) XX/XX/XXXX - ( check out ) XX/XX/XXXX. 
3. ) My Bank Statement for XXXX XXXX XX/XX/XXXX showing and confirming a balanced owed for - {$440.00}. My account was closed XX/XX/XXXX. So my bank statement for XX/XX/XXXX - XX/XX/XXXX would be my final bank statement which would show a negative balance if I owed. This bank statement would be legally binding and would be an official document that I had a negative balance that I owed seeing that the negative balance reported to check systems occurred 2 days prior to this bank statement for XX/XX/XXXX to XX/XX/XXXX which indicates that their claim of a negative balance existed prior to last bank statement do my last bank statement would reflect this negative balance. 
4. ) documentation from the bank indicating why they reported it to XXXX as Account Abuse. 

This was never presented to me by the XXXX XXXX XXXX or by the Bank. 

I demand under FCRA regulations that if this requested documentation is not received to verify these 3 unauthorized transaction for {$440.00} as requested then I demand under FCRA regulations that they are immediately removed from any and all credit reporting agencies including XXXX. 
I also demand that the CFPD verify this documentation by the bank to verify that FCRA regulation that proper verification exists for the amount of - {$440.00} that has been reported by the bank and that CFPB verify my last bank statement dated XX/XX/XXXX - XX/XX/XXXX to show a balance owed for - {$440.00}. If not and you confirm that my bank statement from XX/XX/XXXX - XX/XX/XXXX shows a {$0.00} balance then under FCRA regulations you must enforce the removal of this unverified negative amount from all credit reporting agencies including XXXX against 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 2021-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
sls representative XXXX is my spoc loan XXXX she advised me if i came up with XXXX she would obtain a deferral of XXXX and a payment of XXXX as a loan modification. SLS verified my funds in XXXX XXXX On XXXX XXXX loan docs were sent to me showing a down payment of XXXX with a payment of XXXX .That is not what was verbally agreed. Also, please note I had covid last year and sent proof to SLS..

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 2021-06-05 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: MO

Complaint narrative:
Experian the validation process of XX/XX/2021 never existed, when in fact there was no written validation and the. We need the proper validation per the law of the CFPB. On the XXXX of XXXX when the account was updated, experian should have requested to have the factual documents or should have already had the verification on hand instead of seeking or just verbally verifying a document or account when that is not in accordance with the rules and regulations.

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 2021-06-05 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 account had had another social security number associated with it for a year. XXXX XXXX XXXX has allowed this to start, and go on, and I'm furious. My credit is so out of whack!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Disputed a debt collection on my credit report regarding an account I have never opened nor have any knowledge of. I have requested written verification or any type of verification and have not received any response. When disputed, after a brief investigation, they simply responded that the debt was mine. As this is clearly not my debt coupled with the refusal to provide any documentation I demand this be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX thru present. Terms insufficient termated transaction. On recite XXXX XXXX any of a. .Advocate said alot of people not. One said snack bar only XXXX. XXXXyrs XXXX limit Balances are XXXX for that purpose Got new pin today. Told I hope not to be disappointed..I Chatted excessive. on advance XXXX limitXXXX upgrade. XXXX help Alert Secret adversity plot Vile promise. XXXX Sycroiny Bank 5 months among it.

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a customer of PayPal. I had my PayPal account linked to the XXXX account to receive payments. From XXXX XXXX I had received the amount of {$1300.00} from XXXX into my PayPal account. When the funds had been received, PayPal shut down my account citing " User Agreement Violation '' and has put the funds on a 180-day hold. I have since tried calling and emailing PayPal but the only answer I was given was to visit their legal department in person, in XXXX XXXX California. They have been holding my money for several months without citing and specific reasons as to why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was asked by a landlord to send them my credit report via Experian Connect. I was not able to do so because there was a fraud alert on my account. Because of this, I was not able to send it. 

I reached out to Experian. It took me two hours to get ahold of a live person. That live person suggested " to not use a fraud alert ''. I talked to about 10 different people before someone who knew this service existed. I asked her " With only a fraud alert, and no security freeze, my report is accessible, correct? '' She confirmed. I asked why Experian Connect then did not allow me to use the service. She did not know. There was no contact number for Experian Connect - only an email ( which Experian gave me the wrong email for ). 

I believe it is against the FCRA to deny me usage of that application because of a fraud alert. I had to lift my alert to use it - which I did not want to do. I have reached out to Experian Connect and expressed my displeasure, but have not heard back.

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 2021-06-05 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: OR

Complaint narrative:
2013 my ex husband bought a car I was listed as cosigner. The car was repoed later. He filled bankruptcy on it. It's been over seven years and Experian won't delete

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 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



XXXX XXXX  XXXX, was provided copies of the FTC report. XXXX XXXX XXXX  failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. XXXX XXXX XXXX  failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

XXXX XXXX XXXX  did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from XXXX XXXX, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how XXXX XXXX XXXX  came to this conclusion. I suspect that no investigations actually took place. 


Scott & Associates in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of XXXX XXXX XXXX, and also obtained default judgements for them as well. 

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a letter from ERC about a collection account with XXXX XXXX for {$460.00}. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX. After reading and going through my accounts with my fiancee, we decided to send a debt validation letter to the company, ERC. On XX/XX/XXXX, I sent a debt validation letter to this company. After waiting for a response to the alleged claim, I received several alerts that a new collection was placed on my credit report. ERC placed the collection on my ( 3 ) credit reports before validating the debt. Upon further review, I contacted ERC as to why the debt wasn't validated and no immediate answers were given. All they claim that they were contracted by XXXX to collect the debt. As a record keeper, This debt was bought from XXXX XXXX back in XXXX and not from XXXX XXXXas they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was eligible for the wellcome bonus of {$200.00} about my credit card of XXXX. But AMEX declined this offer. This is a ridiculous fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



Capital one Bank, was provided copies of the FTC report. Capital One Bank failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. Capital One Bank failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

Capital One Bank did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from Capital One, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how Capital One Bank came to this conclusion. I suspect that no investigations actually took place. 


XXXX XXXX XXXX in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of Capital One bank, and also obtained default judgements for them as well.

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: UT

Complaint narrative:
I believe Bridgecrest has violated Regulation Z in multiple regards.

1 ) My minimum monthly payment is {$220.00}. I pay {$300.00} a month. I logged on to my account on the evening of XX/XX/2021 to find a late balance of {$16.00} on my account. Every payment has been processed on time and I did not receive a late payment notice, or even a payment due notice, for the {$16.00}. Because my minimum payment is {$70.00} lower than what I actually pay, the payments have all been accepted and cleared on time, and I was never notified of ANY payment due, I can not fathom what this charge was for. As I mentioned, I pay {$70.00} MORE than what is owed every month. Bridgecrest purports to charge me {$1.00} per day in interest. Unless the company is charging me nearly double in interest what they are legally bound to, this charge was illegally tendered. 

2 ) There is no transparency regarding these loans. It is not possible to see on the website what charge the late balance pertains to, nor is it sent to me in a paper statement. There is also no way to see what monthly payments are attributed to ( principal or interest ). It is impossible to ascertain what the charges consist of or even what the outstanding balance on the account is. There is only a " Get a Payoff Quote '' button. A consumer can not see what they have paid or what they still owe. 

3 ) I was not notified about this balance at any point. I found it by accident. Because Bridgecrest provides no details about the debt their consumers owe them, it is impossible to see what precipitated the balance. It is unclear whether it is one charge or many.

4 ) It is unclear whether the Amount Due balance is actually past due or is just designed to look that way. If it is the latter, it is clearly designed to falsely make consumers think their accounts are past due. This is an abusive practice and robs consumers of knowledge they need to allocate their payments as they choose to do.

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 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: TX

Complaint narrative:
I sent a validation request via certified mail on XX/XX/XXXX and again on XX/XX/XXXX because I never received a response from the first letter. I also sent an email through their website and never received a response. The original debt is supposed to be a medical bill. The original amount listed is XXXX. They are reporting this as a collection/charge off and increasing the amount owed each month. According to the my credit report the amount owed as of XXXX is XXXX. This should be removed from all reports because they failed to reply within the allotted time frame.

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 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the XXXX  of XXXX I decided to gather all the information I needed to change banking institutions. I was changing from Capitol One to XXXX XXXX. But before I proceeded I decided to make my car payment. Next, I called Social Security Administration to have my XXXX payments directed to XXXX XXXX and discontinue using Capitol One. After I completed everything I proceeded to pay for my storage facility with my Capitol One card, and the card was declined. I called and explained to them what happened and they insisted that the payment went through. I called the storage facility in XXXX, Texas and they said that they had not received a payment. I called Capitol One 4 times the same day and they insisted the payment had been made. I called the storage facility and they insisted the payment was not made. Capitol One finally gave me a a sequence code, but the young lady at the storage facility has not responded regarding any payment being made. Capitol One has stolen small amounts of money from my account without my permission. The month of XXXX when I received my XXXX payment I had a dollar remaining in my account. The Monthly payment is XXXX, XXXX, adding XXXX dollar would have made it XXXX, but it was XXXX. There have been recently other monies missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've been paying my credit card for 4 years straight, I'd received 2 90days late on my credit report ( XXXX, XXXX, XXXX of XXXX & XXXX, XXXX, XX/XX/XXXX XXXX. I never missed any payments and it shows I have missed these payments.This reporting is hurting my credit score tremendously and is putting me through financial stress. I've contacted the company via phone and no action steps were taken to remove this incorrect information from my credit report. It hurts my name, it hurts me mentally and financially to know that I've been paying my card every month on time and my credit report is now damaged dramatically due to these two incorrect payment incidents. These late payments does not show my true ability to handle credit.

Company response to consumer: Closed with explanation