vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau of Carbon County
State: WY

Complaint narrative:
I was alerted to a possible fraud due to a collections report on my XXXX credit report in XXXX of 2021. 
I contacted XXXX XXXXXXXX on XX/XX/2021 to inquire as to why they were and why they were reporting a collections that they had never made any attempt to collect. They told me the debt was from XXXX XXXX of XXXX XXXX. I informed them that as of XX/XX/2021 I had a zero balance with the hospital and the hospital had never told me they were sending anything to collections. XXXX XXXX said they would verify with the hospital. 
On XX/XX/2021 I sent XXXX  XXXX a letter via first class mail requesting verification of the debt and offering to work with them on a settlement should the debt be valid. 
On XX/XX/XXXX XXXX  XXXX sent me a copy of a consent for services from the hospital, but could not validate that the hospital asked them to collect any debt on their behalf. XXXX XXXX also could not prove they ever contacted me in an attempt to collect a debt prior to reporting to the credit bureaus. 
I sent XXXX XXXXXXXX a certified letter on XX/XX/2021 pointing out the discrepancies that remained and made an offer to settle in exchange for removing the negative information from my credit report. XXXX XXXX did not respond. 
I disputed the negative information on my credit report with XXXX twice. Each time supplying the information to date. XXXX stated the debt had been verified, but would not share how it was done or what information was reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was sent an offer for a bonus of {$150.00} for setting up direct deposit with Credit Karmas Spend account which is a checking account powered by credit karma. In the promotion it stated that I would be paid the bonus no later than XX/XX/XXXX if I met qualifications. Once XX/XX/XXXX came I contacted credit karma support and was informed I that I was placed on the list for payout on XX/XX/XXXX an entire week after the promised date in the promotion. I was then told I would receive the bonus is 7-14 days. It is not the XXXX and not only have I not received my promised bonus, credit karma has not responded to me emails in over 72 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, INNOVIS, XXXX XXXX, XXXX, XXXX, XXXX anXXXX XXXX XXXXa ; I want these charge offs/write offs deleted from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am XXXX XXXX and I am submitting this claim myself and no third party is involved. 

I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by CAPITAL ONE. ( name of corporation according to the logo attached to the transgression. See attachment. ) I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by CAPITAL ONE on XX/XX/2022 via interstate commerce. 
According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONEs adverse action taken against me resulting in no benefit to me, the consumer from the credit transaction. 
CAPITAL ONE adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to 5000.00. CAPITAL ONE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Hello : I have made repeated complaints against CONN 's Appliance in the amount of {$4100.00}. 
I made contact with them on XXXX different occasions regarding furniture that was not working properly and needed repairs.While at Conn 's initially they promised me that they would take care of the repairs at no charge to me in the event of things not working properly. 

The bed that I purchased was not assembled with all necessary bolts and weakened over time. I contacted them repeatedly and they said that there was nothing they could do because they didn't have the right equipment to service. I explained that it was unfair and unethical to promise repairs and then not do them and still expect me to pay for it. I asked them to come and pick up the bed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: GA

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 2022-01-27 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:
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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage failed to pay my PA township tax of {$1800.00} in XXXX. In XXXX after numerous phone calls the taxes were disbursed multiple times. The following entries were taken from my online account : XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Posted to Suspense, XX/XX/XXXX {$1800.00} Posted to Suspense. 
I have logged XXXX phone calls and sent five emails in an attempt to correct the situation. My online account showed Tax Disbursements totaling {$8400.00}. I emailed this information to Freedom Mortgage and the response dated XX/XX/XXXX stated : 'The amount of {$8400.00} you referenced as " Taxes Paid YTD '' is not indicative of the funds disbursed from the escrow account for taxes in XXXX. ' I just received my XXXX for XXXX listing " {$8400.00} Property Tax Disbursements. '' My monthly mortgage payment increased by {$230.00} following the escrow analysis performed in XX/XX/XXXX. This was a financial burden. 
I have requested a copy of the escrow analysis, copy of the payment/disbursement record, a corrected XXXX, and return of the finds to my escrow account. I have received nothing. I have spent hours on phone calls and emails with no results.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2022-01-27 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: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I go by XXXX XXXX. Im writing this letter to request the results of the investigation and to get my money back. I made a cash payment on my credit card on XX/XX/XXXX between XXXX pm First time I tried to put {$1000.00} but the ATM rejected because the amount exceeded the balance. So I took couple bills out ( I didnt count exact amount which I could remember my balance was between 700-800 ). Them the transaction was successfully. I didn't take the receipt as I never do. After a few days, the transaction still didnt show on my account. 
I went to the branch to file a claim on XX/XX/XXXX. Since then, I had to go back and forth the branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) many times and still havent received my money. They gave me the temporary amount then took back. Then again. I need to know what exactly happened to my deposit and the result of the investigation. I have written a letter and contacted with the Executive Office back and forth for many times. also I requested that I need to see the camera footage, but both branch and investigation department would not do it. I am so disappointed how could a well known national bank just ignore a loyal customer 's simple request and help. 
Since I have been unsuccessful with Chase back. I am asking you please help me with the issue. I would really appreciate it. My phone # ( XXXX ) XXXX XXXX Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MD

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.

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 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( Equifax, XXXX, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MD

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, XXXX, Experian ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLLECTION SERVICES ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Amount is XXXX The company reported this amount owed to XXXX XXXX to all 3 of my credit reports without verifying its mine and belongs to me. The company is refusing to remove off of my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a XXXX XXXX XXXXr in the State of Virginia and Washington DC. 
I have a letter that someone opened a business banking account with XXXX XXXX XXXX XXXX. Today I received a Wells Fargo Alert that someone opened a personal account with my social security number or loan or something. 

I have not walked into Wells Fargo Bank and nor opened an account online since XXXX land closed out I had over 7 unauthorized accounts with Wells Fargo. I was on the phone with XXXX XXXX XXXX XXXX and Wells Fargo stated would not open any illegal, or unauthorized accounts. 

I received an email today - showing that an account alert from personal account and I have not used Wells Fargo in years. I am requesting an investigation in to Wells Fargo opening bank accounts for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. 


Please contacts me or XXXX or 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 2022-01-27 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-01-27 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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