vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: NV

Complaint narrative:
To Whom It May Concern : I am a service-disabled veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, Equifax and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ Phone Number XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXXXXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account Number:XXXX Please investigate the following accounts and remove them from my credit reports Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To whom it may concern, I had two XXXX  one dated XX/XX/XXXXXXXX  the other dated XXXX XXXX. I received a call in XXXX from a collection agency to pay the remaining balance of {$400.00} that they quoted me. I have the receipt in my XXXX account transaction record for a payment to IC System on XX/XX/XXXX the company in question which I have attached below. I assumed the account to be paid in full and received no further communication that I can recall either phone or mail. Today ( XX/XX/XXXX ) I received a call from the collection agency stating I owed them {$400.00} for the services rendered on the above dates. I informed them that I would return their call after checking my records that I believed that bill to be paid. As it had been over a year I had not given it much thought in some time. After finding the payment in my HSA account I contacted the provider XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The agent looked up my account and initially told me that the XX/XX/XXXX date I still owed {$100.00} and that XX/XX/XXXX was paid in full. He then asked to place me on hold to check the account further. After he returned to the line he stated that I actually only owed {$56.00} and he saw it turned over to collection to IC System in XXXX of XXXX with no further info after that. I have not received any itemized bills for this nor any other communication that any balance remained from either the provider or the collection agency until today a year and a half later. I was also not been given an account number or any type of identification for the actual account by either party during today 's calls.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
They are calling me more than 5 times a day everyday non stop. I am unable to pay them right now due to a change in income. I've informed them of this and asked them to stop calling. They are still calling. Barclay 's bank.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been more than 60 days since I sent a letter outlining inaccuracies and unknown entries on my credit report, but I have yet to receive a response. This lack of action and communication is unacceptable, as it feels like I am being taken advantage of and ignored. According to Section 611 ( a ), a failure to investigate such items within 30 days warrants immediate removal from my credit report. As it has now been well beyond that timeframe, these accounts must be deleted without delay. Failure to comply will result in legal action due to the undue stress caused by this situation. Moreover, my personal information was compromised in the XXXX data breach, which makes it all the more imperative that this situation is resolved quickly and effectively.

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 2023-04-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has been more than 60 days since I sent a letter outlining inaccuracies and unknown entries on my credit report, but I have yet to receive a response. This lack of action and communication is unacceptable, as it feels like I am being taken advantage of and ignored. According to Section 611 ( a ), a failure to investigate such items within 30 days warrants immediate removal from my credit report. As it has now been well beyond that timeframe, these accounts must be deleted without delay. Failure to comply will result in legal action due to the undue stress caused by this situation. Moreover, my personal information was compromised in the XXXX data breach, which makes it all the more imperative that this situation is resolved quickly and effectively.

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 2023-04-17 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: GA

Complaint narrative:
Experian is reporting an account with XXXX XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2 I XXXX XXXX XXXXnstruct Experian to block this account from the credit report of XXXX XXXX immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
reporting inaccurate and incomplete credit information.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
See attached letter from the sketchy business, in the letter the business lied and falsely claimed that I can easily make additional payments by simply calling in to customer service. Well on XX/XX/2023 spent 10 minutes providing my email address, name and last 4 digits of my social security number. NO ACCOUNT COULD BE FOUND! WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
There were {$30.00} rewards on my account in XX/XX/XXXX. I went to use my rewards in XX/XX/XXXX. They were gone from my account. I called customer service for an adjustment. They made a {$.00} adjustment. I called back, spoke to a supervisor and was assured it would be on my account on the next billing cycle. It was not, nor was it on any billing cycle. I have been calling them each month with the same script. In XXXX, they managed to get {$10.00} back. Today was my final call to them with them same story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I had a car loan on a XXXX XXXX XXXX with Ally Financial Inc . 

This vehicle was purchased in late XXXX and was paid off one month ago on XX/XX/XXXX. 
The bank noted that it takes 10 days to release the Title to me, as well as provide a release of lien letter. 

I contacted the financial institution once again today to ask where my Title and Lien Release are. 

They did not have a good answer and also asked that I wait up to an additional 30 days for a second lien release letter to be mailed to me. 
The bank noted that they had to mail the first set of letters to the Clerk of Courts in the County in which the purchase was made. 

I have been in contact with the Clerk of Courts in XXXX XXXX Ohio , they stated they did not receive any title or release from Ally for my account. 
They checked electronically as well and did not have anything there either. 

Currently I am now waiting even longer to get this lien release from Ally Financial Inc, but I am not sure what they mail will even make it to me. 

I have major concerns that the team at Ally does not care that I can not drive my vehicle without plates, and they noted that I will need to take this lien release in person to the County Clerk. 

The note here is that I now live 10 plus hours by car from the county clerk office in XXXX XXXX Ohio. 

I have once again contacted the county clerk in ohio and was told that I can do this all by mail, which would be Mailing a form to them {$15.00} check Prepaid mailing envolope back to myself ( the mailing fee for overnight service and filing costs total about {$40.00} for protected and tracked mail in total ) I have not been able to drive my car for over a month as I will not illegally drive my vehicle because Ally is not able to provide the proper paper work nor define this process. 

I have spent well over 16 hours on calls with them attempting to get this resolved and at this point I am losing hope that I will see resolution. 

I may have to ask for a court ordered title at this point

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 2023-04-17 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : XXXX XXXX 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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XX/XX/2023, I received a notice from XXXX XXXX stating that they received a court order, which either enforces a legal judgment against you or secures a possible judgment in a lawsuit that's been filed against you. As a result, they immediately placed a hold on a joint account that was in my husband 's and my name. It also stated that we aren't able to withdraw any amount that reduces the balance below the amount of the hold until the hold is released. The amount that was taken from our account was {$4800.00} plus a {$100.00} Legal Processing Fee. XXXX XXXX also stated that they might charge us, and we are responsible for the bank 's fees if they are required to obtain outside counsel. 

I was not aware of any judgment until XX/XX/2023. I did not receive any certified mailing from any company. After contacting the bank, they gave me a number to contact XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX, and he, in turn, gave me a number to contact Pressler, Felt & Warshaw. I called Pressler, Felt & Warshaw on XX/XX/2023, and was told that for the funds to be released, I had to pay them. I explained that the money that was taken came from a joint account and that we had a house fire, and that the funds in the account were from that insurance company and it was to pay for the contractors. 

The Pressler, Felt & Warshaw representative wanted me to show that the money came from an insurance company. I submitted the bank statements showing that the funds were from the homeowner 's insurance company on XX/XX/XXXX at XXXX XXXX. I called Pressler, Felt & Warshaw again on XX/XX/2023 XXXXXXXX XXXX, and asked when the funds will be released so that we can pay the contractors. I was told that I needed to send them more bank statements, and if I did not, they would take all the money. I explained to the representative that the money came from a joint account and the account is in more than just my name. 

I was told that It did not matter ; they could keep the funds. I asked that the account be noted, and they know that it was a joint account and the funds came from our home insurance company to pay for supplies and contractors due to a house fire. I submitted more bank statements to Pressler, Felt & Warshaw XX/XX/XXXX at XXXX XXXX. I then called back on XX/XX/XXXX at around XXXX XXXX and the representative said that if I want the money then pay them via credit card, or they are keeping the funds that they took. I explained once again that the money is to pay the contractors that were working on the house and the funds came from the home insurance company to pay the contractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to express my disappointment with the experience I had with Chase Bank on XX/XX/XXXX. On that day, an account hold/levy was placed on my checking and savings account in the total amount of {$4700.00}. I spent the morning on the phone with Chase 's legal department/levy department and was told misinformation several times about whether they received the letter from the company who placed the levy, Texas comptroller , on whether it would be reversed or not. 

Despite speaking with the Texas comptroller and having them escalate the issue on their end and fax the document over on XX/XX/XXXX at XXXX, Chase Bank failed to receive it. I waited until Monday to give Chase Bank time to receive it, but when I spoke to XXXX in the levy department on XX/XX/XXXX, she stated they had not received it. 

Texas comptroller emailed the fax confirmation for XX/XX/XXXX along with the documents as XXXX advised I go to a branch and have them fax it in to a completely different fax number which would " escalate the process, '' but two business days would still be the turn around time. I explained to XXXX how the error of them not receiving the fax should not fall on me and if they could backdate or expedite the process as it is their system error or not receiving this. She explained that is not something she could do, to which I asked to speak with a supervisor. 

Despite requesting to speak with a supervisor on XX/XX/XXXX at XXXX, I did not receive a call back. I followed up at XXXX, and XXXX was able to find the document and stated there was nothing else to be done. However, when I asked for her manager 's name, she told me she could not give out personal information such as a last name or a good business email to reach her at. She was rude and unprofessional along with lacking complete empathy. 

After reaching out to other departments, I was informed that Chase Bank 's levy team customer service reps would be the only ones who could assist me. However, after 48 hours wasted on Chase Bank not having proper procedures for their fax machine regarding such important matters, I feel lost as if anything will ever be resolved with them. 

I hope that you take this matter seriously and look into the issues I have raised. I expect better from Chase Bank and its employees, and I hope that something can be done to rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster & garbus llp Sent a letter home telling me they were going to garnish my paycheck directly Out of fear - I try to settle an agreement - I dont know how true this lawsuit it. I had come to an agreement to pay XXXX dollars a month and by 3 rd year pay XXXX completely. I stopped my monthly payment a while back since then the company has not sent any letters and when I called the number their numbers are disconnected, when I finally got someone on the line to ask about this student loan debt. Nobody has answers- they kept hanging up on me. Im 100 % I got scammed for an old debt but Since Im very naive and not lawful knowledge I went along. Thinking its the right thing to do. The original Amount was supposedly XXXX they settle at XXXX. They negotiated the settlement over the phone as if it was a fake game with someone who was a judge. I was very intimidated because I didnt want them to garnish my paycheck- I need my income to feed my children as a single mother. I dont make tons of money. XXXX dollars out of My paycheck is a lot for me. These people are very unprofessional- sketchy - never ask to meet in person.

Company response to consumer: Closed with explanation