vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: SC

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and I want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received a subpoena from Midland Credit XXXX XXXX in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. On XX/XX/XXXX Hurricane Ida damaged my home and I am now XXXX in Florida XXXX XXXX XXXX. I called XXXX XXXX XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said XXXX was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX Chase bank cashed XXXX checks deposited into account on XX/XX/2021, closed account on XX/XX/2021 and did not return funds from cashed checks to customer after Chase closed account without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
The issue is with Barclays US credit card. 
Despite repeated requests ( 2 ) Barclays US bank refuses to provide me with a credit card paper statement. It only sent me an electronic reminder listing the minimum payment due ( {$29.00} ) however it refused to provide a statement listing all purchases. On XX/XX/XXXX and XXXX I called the company numerous times and the calls were not answered. 
Subsequently I got excuses such as the Barclays US card experiencing problem with the XXXX XXXX or another excuse provided to the credit card partner supervisor ( Wyndham ) stating that the company is undergoing " system updates '' etc. 
The bottom line is Barclays US is unwilling/incapable to provide a basic customer service and depending who asks them the answer is different depending who picks up their phone. It is apparent that their overseas call center employees ( most likely provided by the third party vendor ) are not properly trained to handle calls or in my case are not even responding to calls. The question to the US regulator I have is this : Why is the Barclays Bank US allowed to operate in the US market when it can not meet a basic requirement such as customer service or even send out a credit card statement? Also why the Barclays Banks sends out electronic reminders to pay a minimum fee instead sending the total amount due? It appears that the bank deliberately drives the consumers to pay their minimum fees so the bank can charge high interest rates on the amount owed. I paid my estimated bill as I am unable to find out how much I actually owe on this card at this time due to the large volume of transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-10 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:
Theyre is an inquiry that i never authorized. Please remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I reached out to detail account XXXX collection agency and original bank I have no affiliation with. Wasn't no opened in my name or with my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: TN

Complaint narrative:
GLA Collections and XXXX is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that GLA collections validate the debts they all reporting to XXXX and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. GLA is reporting a total of XXXX debts of which some appear to be repeating to XXXX. I have requested by letter and phone that GLA Collections provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on deaf ears by both GLA collections and XXXX. As stated to GLA Collections this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I am moved into a home rented by XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX during XXXX. The tactic of this company is to use tenants to pay rent while the home is for sale. Once the lease is signed both management companies become unresponsive and ignore blatant code violations in the home. Ive put down an {$1800.00} deposit originally but was charged almost {$2200.00} for damages much of which was normal wear and tear. We forfeited the deposit of {$1800.00} and were charged an additional {$420.00}. We disputed this with XXXX and the charges were removed. Now in XX/XX/XXXX I am in collections for that same amount and the company Allied collections is refusing to remove the debt. Per yelp reviews of XXXX I believe this collection company is affiliated with the XXXX XXXX XXXX and this is a scam they run on people. Its been XXXX years since we lived 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 2021-12-10 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
there are incorrect address and incorrect names in the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and I want it investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I continue to be dissatisfied with Capital One response to my complaint. 

I have enclosed Capital Ones Cashback promotion ad. Stating excellent credit is needed mine is exceptional. 800 plus see enclosure. 

I enclosed the Capital One letter stating my GM card is invalid. So I just have one card the cashback card. I asked for a customer list showing multiple accounts including the XXXX card and it was ignored. See Capital One/GMcard letter. 

I'm elderly and applied for the {$200.00} cashback to assist with my budget. Have some compassion. 

I would like Capital One to send me and CFPB their Code of Ethics policy on how to provide customer satisfaction and treat customers fairly. 

This is part of CFPB Case : XXXX CFPB please help. I started a complaint directly with Capital One on XX/XX/2021 with no correct solution. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank is closing all my accounts with no explanation provided This is a big issue because they are ruining my excellent credit which Ive worked over a decade for, Ive been banking with them for over a decade I need help fighting this I dont know what to do and I am being treated unfairly They are not doing anything about it they simply say they are cutting the relationship with me This is going to ruin my credit and is hurting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: OH

Complaint narrative:
I am a victim of identity fraud, theft, and copyright infringement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A third party debt collector or debt buyer must establish an assignment that the person is the owner of the debt, and if the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership. Ownership must be attached to establish an unbroken chain or ownership- XXXX XXXX XXXXXXXX NO. XXXX. The assignment must describe the subject matter of the assignment with sufficient particularity to identify the rights assigned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1981 ) XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
XX/XX/2021 LTD FINANCIAL XXXX XXXX XXXX called my daughter on her cell phone he started to tell my daughter that i have a debt and that it needs to be paid he gave he the dollar amount and was telling her that I need to pay the debt. He is calling her everyday and leaving messages but not leaving a phone number. In the messages he address that card information the amount that is owed. I spoke to a XXXX today to explain that this XXXX person has validated my privacy by given a lot of my information to an other person. He panicked and started to say that my daughter address herself as me XXXX and she told him NO SHE DID NOT he did not give her a chance to answer to just started talking. 
i TRIED TO MAKE A RESOLUTION BUT THEY DID NOT AGREE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I reached out to detail account XXXX collection agency and original bank I have no affiliation with. Wasn't no opened in my name or with my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I purchased a vehicle from XXXX XXXX with Santander consumer USA being the lender I close the deal and on XX/XX/2021 I was called back in to XXXX XXXX. I was deceived into signing a new lease that increased the interest rate payments and total amount on the vehicle after speaking with XXXX XXXX. The issue has been resolved with XXXX XXXX. I was informed that Santander was the one that was responsible for increasing the interest rate for the loan as they had no control over what Santander did. After speaking with Santander they admitted to seeing both contracts in their system then tried to point the blame back at XXXX XXXX. Santander has already been sued for changing the interest rates on customers after a deal had been closed. Santander exposed me to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and a high payment-to-income ratio. Santander was ordered to monitor dealers who engage in income inflation, expense inflation, and power booking. This was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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:
on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity fraud, theft, and copyright infringement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: OH

Complaint narrative:
I am a victim of identity fraud, theft, and copyright infringement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX and Equifax is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that XXXX XXXX validate the debts they all reporting to Equifax and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. XXXX is reporting a total of XXXX debts of which some appear to be repeating to Equifax. I have requested by letter and phone that XXXX XXXX provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on XXXX  ears by both XXXX XXXX and Equifax. As stated to XXXX XXXX this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.

Company response to consumer: Closed with explanation