vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I settled a debt with a collection company for Synchrony Bank. I contacted Synchrony to get the status of the title for the boat only to be told they do not handle accounts for XXXX XXXX any longer. The customer service person said they could not locate any account under my social security number or name. The collection company that completed the settlement indicated that they did forward the funds to Synchrony. I have two problems, first how can Synchrony report something on my credit file if they can not even locate the account and secondly I need to know where the title to the boat is since the account has not be settled. I only have a partial account number of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I do not owe this bill, I disputed with the company. I recieved 10 calls from them in one day and then I kept hanging up on them, they kept calling me back and then blocked the numbers. told me that they would put me in jail if I didnt pay this bill. I was shocked and went to the police department, field a complaint. They told me to just dont answer the phone anymore. I do not owe this bill. The sent this bill to my family members house, a friend mines house and then to another address. Which I never gave them any of my personal information. The other employee told me that once the dispute goes out they would call me again and start the process over again. That I owed XXXX XXXX {$100.00}. I do have copies Im waiting for from my cell phone provider of all the calls that day they harassed me. I also had to go back ER behind these calls,,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Caine & Weiner. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. I submitted two letters to this company ( see attached ). In my first dispute letter to them in I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the terms and conditions that may have changed over the course of the alleged debt as well as copies of documents that reflect my signature, and for them to also send me copies of any correspondence they should have sent me. They DID NOT. It is obvious that Caine & Weiner has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: NJ

Complaint narrative:
Someone opened a XXXX account using my name last fall at an address that was not mine. XXXX asked XXXX XXXX  debt collection agency to collect. They called me none stop. I finally answered & we agreed the address of the service was not my address. Then another collection agency Berlin Wheeler started putting derogatory info in my credit history, but they never contacted me. I opened a case via XXXX  They are working on it. Berlin wheeler sent a form for me to fill out that wanted so much personal info they would be able to steal my identify. I did not complete that form.

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 2021-04-01 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: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
I tried calling this company and they stated that they cant talk to me about this debt because it was sold, but they are still reporting this information on XX/XX/XXXX and XX/XX/XXXX credit report. They sent me a letter replying from my validation of debt. Stating that they have review the dispute and its lacking specific facts that will allow them to start an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX I got a loan with Wells Fargo where my monthly payments were {$220.00}.? Due to the pandemic I was given a 6 month extension.? I called the loan department to find out when my next payment due and I was advised that I needed to complete paperwork for a financial hardship.The documents were completed and mailed. I called again and was advised the hardship request was approved with my new payment amount being {$120.00} with the first payment being due XX/XX/XXXX.? My first payment of {$130.00} ( over the amount due ) was made on XX/XX/XXXX which was prior to my due date In XXXX, I noticed the information on my payment portal was incorrect.I 've been calling Wells Fargo since XXXX to get this information fixed and I've been getting the run around. All the representatives I've spoken to advised me that my account profile was not updated to reflect the new payment/agreement.I continued to make timely payments even though the error was made on their part.Each time I call, the representatives said they made notations on my account and assured me this would be taken care of.I was advised that my case was assigned to a representative and he is the one handling it.For my most recent call on XX/XX/XXXX, I was advised that the representative was not in office and that he would give me a call. This has been going on since XXXX and has not been resolved as yet.I 've been given too many excuses from that person not being in office to them having technical difficulties. In the meantime, erroneous and invalid information have been reported on my credit.I am in the process of purchasing my first home and was in shock when my advisor told me that I was denied due to the information being reported.This has been going on for too long and needs to be updated immediately.My most recent call was on XX/XX/XXXX, and I was advised that the representative was out of office and he would call me in reference to the situation. My account is now showing past due because of this with a balance of {$680.00}. A case was finally opened, I received a letter from the executive office stating they are going to fixed the situation and assist with updating the information on my credit.To date, this has not been done. I have not received any phone calls like they promised. This situation has cost me lost time at work with countless holding on the phone and now a decrease in credit score due to incorrect reporting on the banks end.Can someone please assist me with this situation.? I am requesting my account updated to reflect the correct payment amount, any fees billed adjusted, a letter stating this was an error on Wells Fargo 's part, and most importantly, all credit reporting agency updated.

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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Day! 
My name is XXXX XXXX and I opened a Citi checking account on XX/XX/XXXX as it was advertised - to put {$50000.00} and maintain a minimum balance of {$50000.00} for 60 consecutive calendar days - Which I did, but it is more then a 100 days since then and I didn't receive a {$700.00} bonus which was promised to be deposited in my account within 90 days ( it's already more then 100 days passed ). 
I contacted citi bank a couple of times and was told that they will look into it, but as of today XXXX, XXXX, XXXX the bonus was not paid to me. 

Please see attached 3 documents for your reference : 1. The actual offer 2. Citi bank email enrollment confirmation 3. Citi bank account details as of XX/XX/XXXX I would really appreciate your help in resolving this matter. 
Kind Regards, 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 explanation
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXXXX/XX/XXXX) is responding to the complaint filed by XXXX XXXX XXXX Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting New American Funding having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management New American Funding

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 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To Who May It Concern, This company has failed to comply within the 30-day timeframe of this letter. I recently pulled my credit report and I was notified of this collection that was taken out without my consent. I do not believe that this debt is accurate. Under the FDCP Act, I have the right to request and receive validation of debt. However, I do believe that this debt is not mine. According to the FDCP, this debt should be removed immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
Account Opened in XX/XX/2019 - Paid in Full XX/XX/2019 - Reporting five late payments on my credit report although account was paid in full.

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 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of 39.00 to my Capital one Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to Capital one to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in XX/XX/2016 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The Capital one agent also suggested that they issue me a Zero annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted capital one again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Account Opened in XX/XX/2019 - Paid in Full XX/XX/2019 - Reporting five late payments on my credit report although account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If Mr. XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management 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 explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
THEY CALL ME ON MANY OCCASION WITH MANY DIFERENT NUMBER EVEN USING SPAM THEY KEEP CALLING ME THIS ACC WAS CLOSE CHARGE OFF SINCE 2015. THEY ALSO CALL ME AGAIN I TOLD THEM WITH COVID 19 DONT HAVE NO MONEY STOP HARRSING ME OR CALLING ME. THIS WAS A SETTLED AND THE ACC WAS CLOSE CLOSE THIS ACCOUNT ALSO MY INFORAMTION WAS SHARE WITH OTHER COMPANY NEEDTO RESPECT MY PRIVASY HIPPA 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the 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 explanation
Consumer complaint received 2021-04-01 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: United Accounts, Inc.
State: MN

Complaint narrative:
I got a payday loan from XXXX in XXXX Nd, The loan before this one was deposited before the date it was to be causing me to overdraft and fees. About XXXX in fees. This next loan came due and I could not pay it. Now they turned it into XXXX XXXX agency XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX but they didnt list it as XXXX but united accounts inc. I called XXXX XXXX and they confirmed it is XXXX. They put this on my credit report without sending a bill letter anything, Debt Parking. 
Now XXXX credit has sent it to XXXX XXXX to credit bureau of XXXX XXXX mn and the debt is listed as Credit Bureau of XXXX not correct. There reporting XXXX and that is against MN law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation