vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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/2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The Bureaus did not properly investigate my account with CAPITAL ONE BANK USA N XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete. The date of the last activity does not reflect on the payment history too. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I moved out of apartment due to military orders. The complex was notified ( multiple times ) months in advance with no response until the month of the move out date. Apartment was clean upon moving out. 

After sending them the proper documentation ( military orders ), they still have not removed the account and now are saying there is an outstanding balance due to condition of the apartment after move. I have sent in documentation of the condition of the apartment after I left, including a video. Proving the condition of the apartment was adequate. 

Since I provided my military orders in advance, I am protected under the Service Member Civil Relief Act.

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 2022-03-04 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a issue with COMENITY BANK keeping closed accounts on my credit report when I spoke to a representatives she told me it could take up to XXXX to have close accounts removed from my credit. This is XXXX! It close to 5 Months since these accounts were close AND IF CREDIT REPORTS ARE UPDATED EVERY month WHY ARE they still THERE. It takes less time to add bad report on someones credit. I NEED something TO BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: CA

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 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 2022-03-04 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: CA

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 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 2022-03-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I initiated a dispute with PayPal regarding a {$130.00} transaction from a merchant which was a recurring service which had been cancelled. I purchased a domain name from XXXX ( XXXX ) and never consented nor authorized a charge for web hosting in addition to the domain name. I never received advance notice that I was going to be billed for something in which I did not sign up for. Despite their own terms and conditions requiring XXXX day notice on billing, I received the invoice 1 day before the renewal, via email at XXXX on XX/XX/2022. I cancelled the service shortly after midnight on XX/XX/2022. I was billed by the merchant, for a service that had been cancelled, after never actually signing up or requesting that service, on XX/XX/2022. 

Multiple attempts to contact both PayPal and the merchant XXXX have been unsuccessful. Multiple email requests to both have gone without a response to date. 

I am requesting a full refund of {$130.00} regarding these charges. They were deceptively added to the account, and the company makes it impossible to cancel the charges. Hold times of multiple hours are met when attempting to speak with their " Cancellation '' department over the phone, and emails and live chats go without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: MD

Complaint narrative:
US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, Equifax, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery is attempting to collect a. Debt that is to old to collect on. Statue of limitations ran out. They refuse to remove if as of XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Transcontinental Credit & Collection Corp
State: NC

Complaint narrative:
Law company and my credit reports different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NC

Complaint narrative:
Law company and my credit reports different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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/ 2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I attempted to open an Everyday Checking account on the Wells Fargo website on XX/XX/2022. I initially deposited {$500.00} when opening the account which was processed and credited from an account that I have with a different bank. I received an email the next day stating that my account was closed. I have tried calling the phone number referenced XXXX for three days in a row. I am just put on hold for hours and at some point the line automatically hangs up on me. While I'm hold, an automated message simply states they are " receiving higher call volume than usual. '' I attempted to schedule an appointment at a local Wells Fargo branch in Texas and the local bank rep called me back referring me to the same XXXX number I've been trying to reach previously. I want my {$500.00} deposit back.

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 2022-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: MA

Complaint narrative:
Refinanced a student loan with XXXX for around {$55000.00} and followed the terms and conditions of a promotional offer exactly to receive a {$200.00} promotion ( Tiered Welcome Bonus Promotion ). XXXX is claiming that I am not due the bonus due to terms that do not exist. Before I applied for the loan, I received verbal confirmation as well from a phone representative that I would indeed qualify for this bonus and I applied for the loan using the targeted link directly from the bonus. 

I've contacted the company, and their response is in direct contradiction to their advertised language for refinancing student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a Citi XXXX card. I paid the balance down every time I used the card through a SVB business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. 

I reached out to Citi and they said I would also not get the XXXX airline miles in the quantity they promised. 

I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. 

Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. 

Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.

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 2022-03-04 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: MD

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 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 2022-03-04 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: MD

Complaint narrative:
On XXXX XXXX, 2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 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 2022-03-04 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have filed a dispute in regards of my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated to the US. XXXX XXXX XXXX account ending in XXXX according to Experian credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. Experian, XXXX XXXX XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since 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 2022-03-04 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2021 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. COLLECTION NAMES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my 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 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
A company identified by my phone service as " Midland Credit Management '', is calling me every single day, with no comments. The few times I answered the phone, I just here silence. No even robot message. It is just absolutely annoying. Phone numbers used by this company to call on my cell are not always the same. I blocked some of them, but continue to vary and to call. 
This phone line where they are calling is new private line and it was not provided to any service provider. So can not correlate to anything other than the phone provider.

Company response to consumer: Closed with non-monetary relief