vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XX/XX/20, syncb/lowes XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on 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 2021-06-10 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I wrote to Cfpb around 2 months ago, in reference to a debt that the credit bureau has in records, and is decreasing my score. The company is Sears, they have never tried to contact me, I wish they would have done it. I have notified the credit bureaus but seems that is not important what I say. 
Even I cant get in to 2 of them, seems to be blocked, since I was one of the affected in 2017, with all the data that disappeared from XXXX  Meanwhile my score is decreasing more every time and is really affecting me seriously, since I have a small business, that besides, is being affected by the pandemic, is also seriously affected by this issue. 

I CERTIFY that I do not have an account with Sears. 
I am entitled to see the source of the information, which is the original contract that contains my signature since it was opened. 
I called the company involved once and they told me that they did not find me, they didn't know what I was talking about. 

Can you please suggest me what 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 2021-06-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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

Complaint narrative:
on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the Equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried calling today and got transferred in circles again by rude unhelpful phone representatives. So please answer in writing and note the payment was sent today XXXX. 

I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase XXXX. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX chrysler XXXX XXXX. Thank you.

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

Complaint narrative:
My name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not been receiving important deposits into my account. Firstly my ex husband pays me child support every week with XXXX XXXX partnered with Suntrust and many other banks ), and I never had to do anything to receive the money. For the past XXXX weeks XXXX has texted me saying that my ex sent me payments and to receive them. They are not showing up on XXXX and I havent received any payments for XXXX weeks. Also the IRS sent my tax refund XX/XX/XXXX and it as supposed to deposit by the XXXX. I called suntrust the XXXX and they apparently dont even see the deposit. I think suntrust is intercepting these important deposits.

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 2021-06-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In the past I disputed a collection attempt with Midland Credit Management through the consumer reporting agencies now as of this year 2021 I have been getting court documents for a debt legally Midland doesn't have any rights to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX i endorsed my paycheck for my daughter ( XXXX ) to deposit in her bank ( BB & T ). She did. Within 30 minutes BBT 's mgr. called XXXX 's to come back and get the check they can't deposit it cause im not on her account. We did. I then cashed it at XXXX XXXX XXXX, {$970.00}. On XX/XX/XXXX the check was returned to XXXX XXXX XXXX cause it was already cashed. BBT accidentally deposited it after giving it back to me/us. on XX/XX/XXXX XXXX XXXX XXXX called me w the bad news so I went there and paid them {$970.00}. I went to bbt they couldn't figure it out right away and said ( blamed ) me for fraud and closed XXXX 's checking account. After we argued 3 - 4 days bbt realized and had me bring the receipts from XXXX XXXX XXXX showing I paid them back. Then at bbt i signed a radification form to open XXXX 's account up w the deposited money in. All is fine until XX/XX/XXXX when bbt closed XXXX  's account. Taking {$970.00} out.Transaction says a Adjustment case - {$970.00} which put her account at - {$270.00}. Saying it was fraud on our part. So w my jobs assistance, their payroll co. ( XXXX ) and XXXX ( my company 's bank ) my check was traced and showed on XXXX bbt deposited it and it cleared through XXXX. bank on XX/XX/XXXX. Bbt denies this and On XXXX started their investigation. I personally handed bbt my/our proof of letters. On XXXX their results claim they don't know where it is or they sent the money back to XXXX. XXXX denies this.

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 2021-06-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were supposed to notify me of this in writing 5 days prior, & I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: DISCOVER BANK
State: CA

Complaint narrative:
I opened a dispute with Discover for the amount of {$2100.00} for an XXXX XXXX purchase that was never refunded.I ordered two bags and decided to return them both I called XXXX initiated the return process they sent me two return labels I packaged both items in each label and returned both same day the label was given which was XX/XX/2021 and was given proof of drop of by XXXX Both items were successfully delivered on XX/XX/2021 and XXXX only refunded one item on XX/XX/2021 when they were both dropped off the same day and delivered the same day so I called XXXX and they said they didnt receive one of my returns so I filed a chargeback with discover after trying several times to obtain a refund from XXXX. I have sent over proof to discover and yet they still dont do anything about it and favor on XXXX side stating how are they so sure those labels belong to XXXX and if they if they accepted my return, when those labels were given by XXXX and shows both tracking numbers being delivered I sent them all the proof they can possibly need which includes a proof of drop off receipt given by XXXX, proof of labels being given by XXXX via email, proof of delivery to XXXX warehouse that shows the address date time that also included signature by an XXXX employee accepting they received the package all the dates and times are on the proof and screens shots of conversations Ive had with XXXX, I have tried speaking to a manager at discover and theyre never available I have delivered my items and Discover still doesnt favor in my side after presenting strong evidence of me successfully dropping off packages and packages being delivered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted a claim. It was denied on the grounds of fraud by Bank of America unemployment. Over XXXX was withdrawn from my account from an ATM. This occurred in XXXX. I was a victim of fraud. My card was completely shut off then turned back on. I then disputed this transaction and was denied because I couldnt prove that it wasnt me who took the money out of the account. The burden of proof does not fall on my behalf and there was no reason to deny my claim or evidence to deny my claim. Bank of America simply did not credit me my money back and continued to deny my claim.

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 monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
lost job due to covid, requested a deferment or forbearance instead they gave me a payment plan, i followed the payment plan and started working so i started paying the exact monthly payment more than the payment plan, credit acceptance in return flagged my credit for being behind, i thought they would be happy.. XXXX practices

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 2021-06-10 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: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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

Complaint narrative:
My name is XXXX XXXX, My identity was breached. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Flexible spending credit card. XXXX XX/XX/XXXX and closed XX/XX/XXXX. Last payment made on XX/XX/XXXX. {$4000.00} owed.

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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I notified Experian that I am a victim of identity theft. I know I am responding to Experian response. I did not receive anything/goods and my request is not in error. I am a victim of identity theft.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I would like to file a complaint regarding PayPal credit. I was a loyal customer of PayPal using it for all my purchases and paying the payment like clockwork. PayPal has my home address PayPal also has my home phone number including my email addresses. my account where the payment was coming from was hacked and I was unaware of it. PayPal failed to notify me that the automatic payment was not being received for that monthly payment of only {$39.00} that I always paid on time.Not only they failed to notify me via phone. During the peak of covid-19 in 2020 when the laws were in place that all creditors shall help their customers to defer the payment or stop the payment. no one company claims that day I got my information from PayPal and sent a validation letter to a known address but I did not reside and I don't recall changing my address with PayPal but I received my mail. My credit was damaged by this company for two long years during covid-19 which they are not even allowed to damage People 's Credit during a disaster. This collection company has the worst record with the XXXX XXXX XXXX for scamming customers. The collection company is well known for not following the Fair Credit Reporting Act. The collection company is reporting accounts that do not belong to them without validating with the customers.

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