vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: MD

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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:
I already explained that the account was opened by me. However, the charges for gift card that started on XX/XX/XXXX are not mine. I have explained that my identity was stolen. I am not sure what to do anymore. Company is refusing to accept that my identity was stolen. If they insist that this is my debt, then provide proof that I made those purchases. I can provide anything they want, go to trial if needed. I am not worry about going to court about this. You can request video footage of whoever made these purchases and prosecute. I did not made any charges on the account from XXXX and on. You will also see that other accounts were used to make payments from this date on. Accounts not under my name, from the person who stole my identity. I was told by Capital One, that the bank account making payments in my credit card was not even in the same state as me. I even recall a phone call where they told me that they would contact the fraud bank to track down who the owner was, I never heard back. I already submitted a police report, an identity theft report, letters, and nothing is being reviewed. They just sent me a letter that they have finish their investigation and have decided that this is not identity theft. No proof as to why. I need this company to stop collecting from me. I do not owe this debt. They can not provide proof that this is not identity theft. I am providing everything I can. It is not correct for Capital One to decide that they will continue to charge a debt that has been proved to be identity theft. My next step will be court, I have my documentation, if you guys bother to review it, you will see that the charges on the account from XX/XX/XXXX and on changed and suspicious activity started. Before that, the account was always in good standings. Again, I am willing to take this to court if needed. 

Letter 1 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
Letter 2 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
CFPB complaint was already submitted on XX/XX/XXXX and company decided on XX/XX/XXXX that it is not identity theft. Despite proof of all the contrary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I recieved a negative inquiry on my account from a debt that has not been used my me and there has been no attempt to prove that this debt belongs to me especially during covid these lenders are being asked to proceed differently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I transferred two fees on my loan a year ago. I paid extra each month to target that balance by XXXX extra each month. I noticed a balance transfer fee on my invoice and contacted the company to find out why I was being assessed am Interest fee and a balance transfer fee. I was told that the promotion had needed and I still owed almost the entire transfer that I did when I opened my credit card!! I explained to XXXX that cant be possible when I have never paid the monthly payment I always paid more. Like XXXX more each month. She told me the extra money each month goes to The interest on the current balance. I told her how is that fair to the customer and how the heck do I pay the balance transfer off if I as the consumer can not pay down the balance nor can I see the breakdown when I make a payment!!! She was rude did not want to understand how their practices are misleading to the consumer and not fair!! I asked to speak with her Supervisor, which she transferred the call to XXXX who was more pleasant and agreed to waive the fees that were assessed. I am writing to you to investigate this institutions process to ensure consumers and not mislead and taking advantage of!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Home Point Financial Corporation
State: IL

Complaint narrative:
My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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:
My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late

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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/17 Over the last couple of weeks I and many others have experienced problems downloading transactions from the NC State Employees Credit Union into XXXX. The error is a security error stating XXXX servers can not connect with the CU 's servers. When I contacted the CU all I get is that they have made some security changes and know that there are problems. No estimated date to fix. Sometimes the download is successful, but most of the time it fails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX Im a single mother raising my son, to my best ability trying to survive and maintain my family well fair.I have been struggling during these difficult times with COVID 19 pandemic, financially & emotionally. This debt /collection department has been hindering my credit enabling me to obtain better credit & promising future. I address this issues numerous times trying to clear a debt thats not even mine far as Im aware but cant afford for this to remain on my credit or allow this to affect me any longer than it already has which the negative report they added drop my score 78 points for continuously reporting debt not proven/validated to be my debt, Dept refuse to offer me a reasonable settlement base on my un - employment status demanding me to pay 85 % of Dept to be paid, this company is taking advantage of this situation not complying with government recommendations helping customers during this pandemic. I reached out to the company twice to prevent them from reporting on my credit for Dept that has yet been proven to be my debt please help me solve my concerns /issue with this un professional un helpful typically the worst customer service in the world Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: MD

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 2021-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2021 : Bank of America added incorrect remark

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 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
These were Medical records that both collection agencies failed to validate and didnt honor the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Suite XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX XXXX mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. 

I verified mailed letter was sent to XXXX XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I paid off my account with Money Lion Moneyplus Loan account in FULL!! Once the account was paid in full, then the account was closed a few days later which is how their process works. Moneylion just reported on my credit report that the account is closed but was 30 days delinquent when it was closed and this is NOT true. Also to note, the account was not an account that was closed then paid off. It was paid off and only closed because the balance was paid in FULL!!! Which is what they always do once an account is paid off. They are not reporting the most up to date account status at the time of closing for this account. 

I have included supporting documentation to confirm that the account was paid off as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My bank accounts were compromised, part of the money from both accounts was stolen, it was applied for more than 15 debit cards from different banks and it was applied for a personal loan in XXXX that is reported in my credit report and I can not contact this company

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 2021-04-17 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: FL

Complaint narrative:
XX/XX/2021 : XXXX  XXXX XXXX added incorrect remark

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 2021-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 : XXXX  XXXX XXXX added incorrect remark

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TX

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 2021-04-17 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: MoneyLion Inc.
State: FL

Complaint narrative:
My bank accounts were compromised, part of the money from both accounts was stolen, it was applied for more than 15 debit cards from different banks and it was applied for a personal loan in XXXX that is reported in my credit report and I can not contact this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
The collections agency United Collections Bureau located in XXXX, OH attempted to collect a debt I didnt recognize. They sent paperwork to me on XX/XX/2021 and I sent them a debt verification letter on XX/XX/2021. They validated the debt on XX/XX/2021 and sent me the paperwork. I did not receive the paperwork until XX/XX/2021. This is a violation of my rights under the FCRA and I sent a follow-up dispute letter. The debt validation was not valid since it lacked the original contact from the creditor XXXX XXXX XXXX. I also realized that they provided no proof that I had to pay their collections agency. For some reason the representative XXXX XXXX also misread the dispute letter I send and assumed I did not want to be contacted by mail. This was not true and I received a letter claiming this when I sent my last dispute letter on XX/XX/2021. I specifically said they needed to close my debt file if they could not prove that they own the debt in question let alone have the right to collect it. I will attach the documentation I have.

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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I settled with this debt collector XXXX XXXX XXXX XXXX who collects on XXXX XXXX XXXX XXXX XXXX /XXXX  XXXX. 

The account was paid in full and removed from my credit, then after 8 months returned anew on my credit as new debt

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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TX

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 XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: LA

Complaint narrative:
I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX  that they were contacting Transunion, XXXX, and XXXX  to let them know that ai closed my account in good standing yet Transunion and XXXX refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!

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 2021-04-17 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX that they were contacting XXXX, XXXX, and XXXX  to let them know that ai closed my account in good standing yet XXXX and XXXX  refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: LA

Complaint narrative:
I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX Bank that they were contacting XXXX, XXXX, and Experian to let them know that ai closed my account in good standing yet XXXX  and Experian refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!

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