vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
A letter has still not been received as stated in your previous response. I DID NOT AND THERE WAS NO AGREEMENT ENTERED INTO WITH XXXX XXXX and unless you can provide proof showing an agreement entered with XXXX XXXX THIS DEBT IS NOT VALID AND SHOULD BE DELETED ASAP. In addition according to the FCRA information in a consumer report can not be provided to anyone who does not have a purpose specified in the act. The consumer must be notified when adverse action is taken. AGAIN I was not notified nor was a thirty day notice given without reporting this. By law a five day notice must be given of the collectors initial attempt to collect a debt. I will not be paying for something I do not owe, have no knowledge of, and has adversely affected my credit. It also does not matter what day an account was purchased the debt MUST be reported from the original delinquency date that was within a seven year statute. This is illegal, inaccurate reporting and a violation of the FCRA. If this debt is not removed I will be contacting an attorney as you all are reporting this debt without proof, notice, invalidly, and illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed complaint after complaint against Equifax for not removing a medical collection with XXXX XXXX XXXX which I paid in full. XXXX XXXX XXXX sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
A wire was sent to my Comenity Direct account on XX/XX/XXXX in the amount of {$44000.00}. However, the Bank did not book in the funds until 3 days later on XX/XX/XXXX, depriving me of three days interest. The Bank justified its ' action by falsely claiming that XX/XX/XXXX was a Bank Holiday, with a subsequent weekend. The XXXX XXXX  Reference Number that proves the funds were received on XX/XX/XXXX is XXXX. 
I request the CFPB compel the Bank to credit my account three days of additional interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: NY

Complaint narrative:
Both Experian and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a checking account with wells fargo. My name is XXXX XXXX. The acoount I believe ended in the number XXXX. I wrote two checks to XXXX XXXX XXXX in XXXX and XXXX of 2021. The claim numbers are XXXX claim number XXXX. 
I wrote two check to XXXX XXXX XXXX from my account last year in XXXX and XXXX of 2021. The checks were cashed at a wells fargo bank. I sent a copy of both checks to wells fargo. They drug their feet and I had to make a complaint with you. 

They advised me that I need to submit an affidavitt from XXXX XXXX XXXX representative stating that they never recieveed the checks. Wells Fargo paid out the money but XXXX XXXX XXXX did not receive the checks. 

I obtained the affidavitts and submitted them to Wells Fargo. 
I complaint was filed with you and you followed up with Wells Fargo. 

I have heard nothing from them and it has been months since they advised you tha they had indeed received the affidavitts requested. I have obviously changed banks although my name is on an account with wells fargo in an account with my wife. 

Each check was for {$200.00} dollars for a total of # XXXX dollars. I called wells fargo and they said I needed to confirm my identity even though I called two days earlier and my identtity was confirmed. I talked to the claims department at XXXX, Wells Fargo honored checks which were endorsed by someone other than myself. 
CONSUMER FINANCE contacted them after I made a report last year. 

They admitted to you that they have received the affidavitts I requested. I am asking you to contact them and ask them what the status if of the two claims and have them return my {$400.00} dollars for checks the paid which did not go to XXXX XXXX XXXX and they are clearly aware of the that since they responded to the affidavitts and and advised you in a prior complaint that they had received the affidavitts from XXXX XXXX XXXX. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Illinois 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 2022-01-04 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: OneMain Finance Corporation
State: PA

Complaint narrative:
One main financial put an inquiry on my XXXX consumer report when I did ask them to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Fay Servicing is a new debt collector where my loan is now in there hands as of XX/XX/21. Previously XXXX was mortgagee. The situation has gotten from bad to worst because these " So Called Investors '' want to take my home so they hire people like this. I am doing all I can to try and save my home. 

I am so afraid because the reviews are so bad on this place, I could not even file a Better Business Complaint because they were overwhelmed. I am going to complain to the Attorney General as well because i am concerned about their unreasonable fee schedule. 

I have been trying to talk to someone on my loan on a weekly basis since XX/XX/21. I was assigned an account manager by the name of XXXX XXXX. She NEVER returned my called it is imperative because I am trying to get my loan current now ( meaning XXXX ). I need a human to speak to in a position of authority. The representatives I have talking to are rude and nasty. XXXX gentleman in particular, went off on me on the phone when I asked about the difference in payment for XXXX, where it looks like they are charging me on the there statement and the XXXX  payment for XXXX is lower. When I asked him he said they would be doing their own analysis and my payment would probably change. This is a scam because I was told when everything transferred over it would mirror the same. This issue needs to be looked in to. I just talked to someone by the name of XXXX XXXX who claimed he would assist me. He also stated there would be no fee if I paid over the phone. I emailed him and yet to receive a response. 

I just had a XXXX XXXX and can not take all of this pressure. I need someone who take there job seriously. I want to make a payment on my loan at the end of the month and there is no option online for me to do it. Also, I had no late charges with XXXX because I had an arrangement to get it caught up. I ask for help in this matter as time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have inquires on my credit report that i never applied for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have inquires on my credit report that i never applied for

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
1.In XXXX XXXX. 2012, I was trying to pay the diesel purchase in XXXX gas station when I traveled in state ( GA ), the transaction was declined. 

2.I call the customer service for resolution immediately, and follow up their instruction for verification.

3.the representative misstep the processing and put my account on hold, to getting me to wait 7-10 business days for a letter for verification.

4.during the phone call the representative hang up the phone 2 times with bad manner.

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 2022-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I had two student loans with a servicer, Launch Servicing, and I sent them a check for {$33000.00}, which was the amount given to me in the 10-day payoff, indicating both loans to be paid. 

The servicer paid-off one loan but not the other in error and said they would be sending me a check in the mail for a total of {$9300.00} and that it could take up to 30-business days to get to me. 

When I expressed my concern about the additional interest I would pay due to the error they said there was nothing they could do and I would be held accountable for the additional interest, which I calculated to be roughly {$100.00}.

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 2022-01-04 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/21 we purchased a silvery gray rug in the amount of {$390.00} from value city furniture and what was left at my front door was something totally different then the description in store ( looked nothing like what we ordered ) We contacted synchrony bank to dispute the charges to our account because this was not what we ordered. They did not do a full investigation. The documents we uploaded was a copy of our sales receipt and a photos from the tags of the merchandise that was left at the front door. Synchrony closed the case and ruled in value city favor in through this was not what we purchased

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 2022-01-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I declared XXXX  XXXX bankruptcy in XX/XX/2021 and all my debts were discharged XX/XX/2021. It was determined that Firstmark ( who bought a private student loan from XXXX XXXX ) was discharged, because it is a private student loan that was not used for tuition. No credit counseling, entry or exit, was done prior to giving the loan, which is a violation of federal law. Also there is no instrument of original indebtedness and Firstmark could not provide evidence any contractual obligation to pay, that bears my name and signature. I repeatedly informed Firstmark that the debt was discharged and to please verify the debt, provide evidence of contractual obligation to pay, and proof of credit counseling. They threatened me stating they would report me to credit bureaus if I did not pay them {$50.00} minimum payment. I caved to their illegal activity to protect my credit and paid the {$50.00}. They proceeded to defame me with the credit bureaus, tanking my score by over 90 points. I contacted them to correct this and they refused.

Please help me resolve this situation. Firstmark is nightmarish and negatively impacting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I have filed complaint after complaint against XXXX for not removing a medical collection with Medical Data Systems which I paid in full. Medical Data Systems sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.

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 2022-01-04 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: NY

Complaint narrative:
Both XXXX and Tranusnion are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them

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 2022-01-04 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: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Both XXXX and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor VOLVO about the charge off and never got anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter to a collection company that is trying to collect an alleged debt of {$1400.00}. I request verification of the alleged debt pursuant to my rights under the FDCPA. I request a copy of a signed contract and I also request the cease and desist of all collection activities including credit reporting and to delete any and all reporting made to any consumer credit reporting agencies. They failed to address my very specific legal request and are in clear validation of the FDCPA. 

1st, they failed to obtain and send me verification of the alleged debt by not mailing me a contract or an agreement with all parties involved. Instead they sent me a letter with " a summary of the information listed in the alleged file ''. This is not what I requested and under the FDCPA it is unfair or unconscionable that they attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating debt permitted by law. Also my personal information was released without my consent to a third party.

2nd, they failed to cease and desist and delete the credit reporting of the disputed alleged debt. Under the FDCPA, it is false, deceptive or misleading representation or means in correction with any debt to communicate to any person ( consumer credit reporting agencies ) credit information that is known, or which should be known to be false

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I did not apply for a mortgage, I used a mortgage calculator online to estimate a loan cost. Since then I have received non stop calls and emails from rocket mortgage. I have asked to be placed on do not call list and selected unsubscribe to every email I have received. Nothing stops the calls or emails and they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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