vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank attempts to call me about five times a day, bugging me at work, lying to me about a payment plan I completed and not offering to help the debt relief. Those were three XXXX XXXX monthly payments to get the account current, waiving late fees. The late fees did not get waived and now the account is not current, they're lying about waiving the late fees, and they're not providing any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
AROU F XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I disputed a XXXX XXXX account on my Chexsystems report and they didnt remove it off my file and I paid that balance in full. And Im requesting they reopen the investigation.. I never applied for this bank but I Did paid off the balance I dont owe {$400.00} I owe the bank XXXX and I need this corrected and remove I dont owe this balance at all

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 2022-01-13 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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent credit reporting agency Experian a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.

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 2022-01-13 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: DE

Complaint narrative:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's identity theft affidavit. Please delete these items as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I refinanced my home loan and it was sold to NewRez XXXX XXXX  on XX/XX/XXXX, with the next county tax payments due within 30 days of sale. In the onboarding process, NewRez failed to check tax status, so in XX/XX/XXXX, I received a tax default notice from XXXX County, IL that payment was past due, and on XX/XX/XXXX a second installment was due. Contacted New Rez and they sent both payments, but evidently took too long, and the delinquent interest was insufficient or tax parcel ID didn't match, as XXXX XXXX rejected and returned the payment. Evidently, XXXX doesn't employ at tax service to ensure payments? Again in XXXX, I received a second default notice from XXXX XXXX that both 1st and 2nd installments were now past due with additional interest by XX/XX/XXXX. I contacted NewRez again and on XX/XX/XXXX they paid both installments. On XX/XX/XXXX, I called XXXX  County to check the status, and neither payment had been received, so to stop additional action, I paid the entire bill out of my own funds {$4000.00}. On XX/XX/XXXX after XXXX County did not show a tax refund overpayment on my parcel for the NewRez payments, I contacted NewRez and informed them I want the following actions taken :!. ) What happened to my tax payments and where have they gone? XXXX County has no record of receiving the XX/XX/XXXX payments 2. ) I want immediate reimbursement of the full amount of taxes and interest I just paid on XX/XX/XXXX {$4000.00} XXXX. ) I want my escrow account requirement suspended and all escrow funds returned to me immediately. I will pay all escrow-related items, as you have proven over the past year to be incompetent at handling them. 
XXXX. ) As a former Servicing Compliance Executive at XXXX XXXX, I will be filing formal complaints with CFPB, XXXX XXXX ( mortgagee ), and my Congressman. 

They still haven't responded other than an email that they received my initial request How can CFPB let the three worst servicers in the nation, XXXX, XXXX, and NewRez combine into one giant servicing operation?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent credit reporting agency Equifax a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent LEXISNEXIS a request, requesting my consumer report. As of XX/XX/XXXX, I have not received any document from LEXISNEXIS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE 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 2022-01-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
AROU F XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE 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 non-monetary relief
Consumer complaint received 2022-01-13 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: Block, Inc.
State: CA

Complaint narrative:
Cash App ( Square Inc. ) are refusing to response about a chargeback request on a transaction after a month. 

XX/XX/XXXX I paid {$80.00} using the card to a seller who then immediately deleted their webpage and never provided the order. 

XX/XX/XXXX I reported this on Cash App using the " Dispute a transaction '' option. I was told I would be contacted by email. One month later I have not been contacted and nothing is in spam folder. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 


It has now been one month and I believe Cash/Square are intentionally avoiding chargeback claims so that they keep the commission on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have asked for proof of that this is my debt they have not provided, they have garnished my wages. 
I have provided them proof I was a victim of id theft & disputed as them told me to do. 
Their finding was that there records is accurate. They still dnt provide me proof that its my debt this seems very criminal. This is in violation of my right according to the Fair debt act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: I.C. System, Inc.
State: IA

Complaint narrative:
On XX/XX/2020 XXXX, XXXX, and XXXX XXXX; added a derogatory mark on my credit report from I.C. Systems. Upon further research, this account was transferred. I was never contacted by XXXX that I owed any debt or authorizing such. 
I.C. Systems never contacted me to dispute the validity of this account. There is no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the F.C.R Act. They have violated my rights as a consumer and I am requesting legal action to remove the account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: KY

Complaint narrative:
I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

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 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc
State: AZ

Complaint narrative:
In XXXX and XXXX of XXXX, I was a patient of XXXX  XXXX and XXXX. I had office visits and infusions both times. In XXXX two employees advised me via email and telephone that the Prolia Co-Pay program would pay the bill that was owed beyond what XXXX XXXX and I paid. In late XXXX of XXXX, I received a bill from aforementioned provider for {$1900.00}. I sent XXXX certified letters in XXXX and XXXX indicating that I was advised that the bill was satisfied. On XX/XX/XXXX a woman named XXXX called me at the billing managers direction responding to my certified mail and stated that I do not owe the bill. In XXXX, XXXX, I was contacted by mail and telephone that this had been referred to a collection agency and they were attempting to collect. I was not notified this was being referred to collection. On the contrary, I was told that I did not owe it. In fact, I discovered that they did not attempt to submit it to the co-pay program at all. My credit has been impeached and the providers practice will not provide me with a letter stating that the collection was in error. I paid this practice {$1500.00} for the bill that three employees said I did not owe. I was sending certified mail trying to determine status and they send it to collections. I now have a ding on my previously perfect credit report. I want it off there.

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 2022-01-13 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have sent AMEX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & DesisXXXX also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Kriya Capital, LLC
State: MA

Complaint narrative:
This happened in the middle of the pandemic when the whole world shut down i had XXXX and told them i was going to cancel my phone services because i didnt have a job, they told me dont worry we are giving time to our customers to pay because of the pandemic get 3 months or whatever them you will pay monthly when you get back to work or money coming in to you i accepted and didnt pay for 3 months them i paid one month the next month they want me to pay around XXXX in total i told them that i didnt XXXX XXXX or so because i wasnt working for the pandemic only living with the pandemic money was receiving from my gig job with XXXX XXXX XXXX i was lucky to be included because self employed dont get unemployment but because of the pandemic we did, i wasnt going to pay XXXX in total when i wasnt making money only living of unemployed how i would eat and pay rent, i told them i better shut down the service completely were then to stopped me to do so with the promise of giving customers time and then start repaying month by month at the time feeding me and my kids was more important than paying XXXX in whole, now they sent the bill to a collection agency which are harassing by calling me and telling me that if i dont pay they will send the account to collection and damage my credit no fair at all i dont gon na take the pandemic as an excuse but i was in a position of putting food on my table and pay rent with the money i was receiving from XXXX or pay arrogant XXXX in full i need help i dont want this collection agency ruin my credit that im fixing and making progress over an unfair practices of money hunger XXXX i need help please im fixing my credit this very important to me and now i have to deal with this credit agency maned CREDENCE trying to get me back with my credit progress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have sent JPMCB multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

Company response to consumer: Closed with explanation