vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: SC

Complaint narrative:
I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Equifax about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MS

Complaint narrative:
I AM THE PERSON WHO TYPED THE LETTER THAT WAS SUBMITTED, NOT A CREDIT REPAIR AGENCY!!!!!!!!!!!!! This complaint is in response to my original complaint : XXXX. Experian has been provided with the laws pursuant 15 usc 1681 b which states the Permissible purposes of consumer reports! They continue to ignore and break the law!!!!

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 2021-07-07 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

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 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
The problem I am currently having is with Freedom Mortgage " Loss Draft '' department. We live in XXXX, Texas, and our home was severely damaged during the ice storm event in XXXX of this year. 
( XXXX  XXXX  ). My issue is, that Freedom Mortgages Loss draft department refuses to endorse and return my second and final insurance settlement check of {$5100.00}. We went through this with them regarding the first initial payment of {$9700.00} dollars. They held the first check, stating I was behind on my mortgage, and they weren't going to release it. I did file a complaint thru CFPB regarding that issue, and they returned the check within a week of initial complaint. Repairs got started. I sent the insurance agency the requested pictures of the completed repairs to floors and bathrooms and walls. Insurance company was satisfied with the pics of the completed repairs, and released the remaining {$5100.00} to me. Freedom Mortgage is WITHHOLDING this check from us, and refusing to endorse it, withouit an W-9 from the contractor. This is just ridiculous, when I have provided acceptable proof to the insurance company. When I contacted Freedom 's Loss draft department today, I got nothing but a hard time and total disrespect from the agent I spoke with just a few minutes ago. I am a 14 year Veteran of the United States XXXX XXXX, and this is a VA secured loan, and I honestly don't appreciate this treatment from the LOss Draft department. My wife is suffering from Covid related congestive XXXX XXXX and XXXX XXXX XXXX XXXX, and this stress has put her back in the hospital, under life threatening conditions. Please, for XXXX 's sake just endorse this check and send it back to me. We have lighting work to be completed, and some more wall painting. I do intend to file a complaint also with the mortgage assistance bureau out of XXXX, Texas. We just want this " XXXX of XXXX '' check to be endorsed and sent back, in an extremely timely fashion, so we can spend it as intended, on completing necessary home repairs, PLEASE!!

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 2021-07-07 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: VA

Complaint narrative:
There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX Management in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My complaint is with XXXX XXXX phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX  Credit, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, XXXX XXXX does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you

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 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft N/A Account Number : XXXX This is not mine. 

4. Identity Theft N/A Account Number : XXXX This is not mine. 

5. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc.
State: OH

Complaint narrative:
We obtained financing for a bathtub. Began making payments. My husband lost his job. We became delinquent in repaying our outstanding debts. We began trying to dig ourselves out of a hole but were negligent in getting back on track with this loan. We were later in the process of trying to refinance our mortgage to lower our interest rate when we discovered that the creditor had placed a XXXX lien on our home so we were not able to refinance. Since then we have attempted to come to an agreement with the creditor. They continually refer us to a third party credit collection agency. However the collection agency is not empowered to negotiate the amount, a repayment schedule or a payoff amount. They have refused to submit our offers to the original creditor unless they fit into a very narrow definition basically a full payment of the loan in one or several installments. The creditor has been charging us 21 % interest on the loan. We are unable to payoff the whole amount at this time and would not be able to cover the interest payments with a monthly payment plan. The creditor will not allow us to come to an agreement with them if we were to arrange to sell the house and would like to make arrangements for a settlement with them. I finally made contact with them but we were told that someone would return our call and contact us to discuss arrangements. No one called back. Instead they escalated the severity of our delinquency on our credit report, changed the status of the loan to in collections and have damaged our credit even more at this point. We are no longer able to obtain financing to purchase a new home. We feel like we are between a rock and a hard place. We actually need to purchase a new home that will accommodate our XXXX. But we can not do so without making arrangements to payoff this debt and improving our credit score. However, negotiations are essentially being refused. We have no leverage and they apparently have no motivation to talk wit us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent Collection Bureau Hudson Valley a debt validation letter in regards to an XXXX bill that they claim I allegedly owe. On XX/XX/2021 they sent to me by mail a copy of the bill from their client, XXXX XXXX, which under the Fair Debt Collection Practices Act 15 USC 1692g, is not the five ( 5 ) items that Congress says a debt collector must provide to me ( the consumer ). On XX/XX/2021 I sent a request to the credit reporting agencies XXXX  and XXXX  to have this account removed from my consumer report but the credit reporting agencies responded saying that Collection Bureau Hudson Valley certified that the information is accurate so the account will remain on my report. On XX/XX/2021 Collection Bureau Hudson Valley responded to my CFPB complaint and noted that they will request to have this account removed from my report within 30 days. 30 days later on XX/XX/2021, the account is still on my report and they are certify to the credit reporting agencies that this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However Capital One entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to Capital One and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but Capital One does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XXXX claims I owe on a Barclay card from XXXX. The only Barclay I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call XXXX I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.

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 2021-07-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The attached exhibits clearly display each violation of federal law against my consumer rights that XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for XXXX XXXX XXXX to have a line of credit extended to the corporation. XXXX XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( XXXX, Experian, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Beginning XX/XX/XXXX, I have been receiving harassment phone calls from a debt collector. I belive the name of the agency I have been given is Portfolio Recovery Associates. 

The debt they are attempting to collect is not valid and was removed from my credit report by all three bureaus after a dispute. 

This company has continued to harass me making up to 13 calls back to back repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX XXXX, I purchased a {$100.00} Visa gift card from XXXX # XXXX in XXXX, Texas. On XXXX XXXX, the recipient of the gift card which was still in the cardboard packaging tried to make a purchase online. She was given the information that another party in XXXX XXXX, NV had somehow used the gift card and there was now a XXXX balance on the card.

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 2021-07-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

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 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I initiated a money transfer using XXXX on chase, on Sunday XXXX, the recipient hasn't received the money yet, the money has been deducted from my account. 
the status is " pending review '' I have tried to call them multiple times and i have talked to them for hours but no help I want to cancel this transaction and get back my money this is the transaction XXXX payment to XXXX XXXX XXXX  XXXX Amount {$500.00}

Company response to consumer: Closed with explanation