vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I was hospitalized in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was XXXX XXXX and the current one is Harris & Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
VIOLATION OF RIGHTS SHARED INFORMATION WITH 3RD PARTY WITHOUT CONSENT SOLD INFORMATION TO THIRD PARTY WTHOUT CONSENT I AM THE ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: SC

Complaint narrative:
XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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 Equifax, XXXX, and XXXX through letters I mailed to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to XXXX, equifax, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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, Experian, and XXXX through letters I XXXX to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to experian, XXXX, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have no knowledge of the account I keep disputing account and no response .LVNV funding LLC {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group
State: MI

Complaint narrative:
PHOENIX RECOVERY GROUP have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$680.00} {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I did not agree or sign a contract with Bridgecrest to collect on an alleged auto loan debt. I sent certified mail with return receipt the following information which will be uploaded. 

1. debt validation letter 2. cease & desist letter 3. XXXX XXXX letter demanding that Bridgecrest show any and all proof that I agreed or signed a contract with them. which in return Bridgecrest could not prove. Bridgecrest looked over all documents and unstapled them and stuffed them back in the envelope and shipped them back to me without answering or showing proof of what I asked for. 

1. Obtaining my information and using it without I, XXXX XXXX, the Consumer permission is Aggravated Identity Theft Pursuant to 18 U.S. Code 1028A ( 1 ) and 18 U.S. Code 1028 ( 7 ) 2. Also demanding me to make monthly payments is extrotation Pursuant to 18 U.S. Code 875 ( d )

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
In Mid XX/XX/2021 I applied for a secured credit card with Discover Financial Services. They approved me for a secured credit card, and I sent them my {$500.00} deposit for the secured credit card. Once they received my money, Discover Financial Services sent me via email a XXXX tax document to sign. I refused to sign this document because as I stated this was a secured card and I have had them in the past with other financial institutions without having to sign a XXXX tax document. They also would not provide a rational explanation for requesting this document other than for identity purposes. 

Therefore I was forced to close an account that was never actually approved because I refused to sign the XXXX, also they ask for this after they got my {$500.00} deposit. This is an important issue the deserved to be disclosed upfront in the application process. Finally I do NOT want my credit scored impacted because I had to closed account that was never actually opened from my perspective, reported to the credit bureau. But from Discover 's perspective they said I would have to close the account. I want my deposit refunded asap, as well as DFS NOT reporting this to any of the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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:
I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to Experian, XXXX and XXXX. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft. 

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.

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 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I dispute the collection agency online with XXXX and they sent back verified with updated information. I sent a debt validation on XX/XX/2021 to Credit Control with no response. Then I sent another pay to delete letter to them on XX/XX/2021 and still no response from the collection agency. Today, I am sending out letters to the all three credit bureaus to see if they can provide more information because I am not getting any answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: AES/PHEAA
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} ) ; FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This issue was to be resolved on XX/XX/2021. I was issued a gift/credit card for a return that I made. The amount placed on the card was around XXXX. When I scratched the numbers off on the back of the card, the four digit pin was not readable. I have made numerous phone calls and email with their customer service. I was promised numerous times that I would be issued another gift card. It is now XX/XX/XXXX, they do not return my emails, and I get the same run around when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent. 

XXXX reports to me I don't owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a dispute letter to XXXX and Experian XX/XX/2021, I recently review my report and noticed that for the public record bankruptcy listing does not show that this item has been marked as in dispute nor have I have any documentation stating that the bankruptcy has been processed I am requesting a full deletion per the FCRA as far as the 30 day time window to responses.

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, this is the first time that I found out somebody had hacked into my Bank of America debit card and multiple unauthorized transactions also happened. I lost {$980.00} that day so I immediately filed a claim regarding to fraud. The card was never stolen, it was with me the entire time but I did not use it at all. My debit card only had {$3.00} left at this point. The bank gave me their word promising that Ill get my money back and they will have a resolution within 10 days. And they canceled my debit card and renew a new one for me. 
However, between XXXX XXXX, my new debit car was has been compromised again which I do not leak any of my information to anyone ever. At that point, my account had XXXX XXXX left. So I filed a new claim because my money was still kept on getting scammed. And bank of america has done a poorly job to protect their customers security.

Today, Bank of America denied my claims saying those transactions was pinned and blaming them on me. And Ill will not be getting a refund but like I said I did not do all the transactions at all.

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 monetary relief
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 I received an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021 I called XXXX XXXX  XXXX XXXX XXXX and they notified me that they had no record of an inquiry or an account associated with my information/SSN and I would need to dispute the inquiry with Equifax. 

On XX/XX/2021 I submitted a dispute over the hard inquiry through Equifax. 

On XX/XX/2021 the results of my dispute were " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' On XX/XX/2021 I spoke with a customer service representative at Equifax and was told I would need to call XXXX XXXX  XXXX XXXX XXXX to have them send a deletion notice to Equifax to have it removed. 

On XX/XX/2021 I called XXXX XXXX XXXXXXXX XXXX XXXX and was told that since I have no account and they have no record of an inquiry that there was nothing for them to delete and I would need to call Equifax and speak with a supervisor to have them delete the inquiry. 

On XX/XX/2021 I called Equifax and was told it was a fraudulent inquiry and I would need documentation from the FTC or a police report to have the inquiry removed since XXXX XXXX XXXXXXXX XXXX XXXX was not cooperating with providing documentation. I have put a freeze on my credit report and an initial fraud alert in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX of XX/XX/2020, I reached out to CapitalOne regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XX/XX/XXXX of XX/XX/2020by CapitalOne. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: PR

Complaint narrative:
This company called Equifax is linking the information of another person with mine and I have been calling for a long time, sending papers putting all the evidence in their hands and they do nothing, I can not make a loan I can not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Net Credit Financial my last payment, XX/XX/2019. ( XXXX ) i reported to them I have been affected Disaster/covid 19. Which shows on my credit reports lates for over 2 years. I have been trying to settle or work out an arrangement but they are not willing. However this monthly lates is hurting my score. They have told me they would not report but it keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for the delta skymiles platinum card in early XXXX of 2021 and was offered at XXXX points welcome bonus with spending XXXX dollars the first 6 months due to covid. Well I made the deadline and spent the required money but I never received the bonus. I called around XXXX of the same year and was told that I was not going to receive the bonus due to a history of misusing incentive bonuses on my american express account. I asked what this was from and they couldnt tell me, nor was I ever told I wasnt going to receive the bonus until I called. They didn't even reach out to me. Later they said I was never going to receive a bonus from one of their credit cards again but once again this was never emailed to me or explained to me I had to call them just to get this information. Im wondering why I was never told what I did to not receive these bonuses, as well as when were they going to tell me if I never called, as well as why was this not resolved or even debtable other than no its not happening sorry. If this was the case I would have never even opened the card to begin with but now Im stuck with a card and no welcome bonus yet again. This was never going to be told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: ME

Complaint narrative:
There's a western union card that wasn't meant to get. Also can you please check how long these things have been done on my credit and see if any can come off

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