vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I looked into my credit report and found 3 account listed under a collection with Midland I sent a validation or verification letter that I found within the CFPB website to get more information on XX/XX/XXXX in which Midland sent me a simple response and not even reporting the information that they provided to me to the credit bureaus. 

On XX/XX/XXXX I sent another letter asking for more information as this is still unclear to me what this is and how they are still reporting it. 

MIDLAND CRED ending XXXX Balance {$2700.00} Letter received showing Original balance is XXXX but is showing up as XXXX on my credit report with a payment of {$50.00} on XX/XX/XXXX. Which is not being reported and do not recall making any payment. They have not provided a Bill, My personal information or my social security number. 

Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me On top of that on my credit karma it shows they are increasing the balance by {$1.00} in the beginning of each month then decreasing it by the middle of the month. So the account is being refreshed and shows a new collection every month. 

This is completely illegal and violates all the rules for a collection agency and reporting for a collection account. They have not provided any information that is accurate on my report or to me. Nothing that proves this is mines and using deceptive methods to continue reaging these collections and want this immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2021, I pulled my credit report and noticed unauthorized inquiries. I contacted all the creditors on my report, they informed me I must contact my credit bureaus to notify them of unauthorized inquiries. I contacted experian, the company removed the inquiries. I contacted transunion and they refused to remove my inquiries, despite me repeating that I did not authorize these inquiries. The inquiries are as follows : -XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CARD SERVICES -XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXX XXXX  in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX . Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, Transunion, XXXX, and XXXX  have failed to investigate.

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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Sent cease and desist letter to Capital One This was received on XX/XX/2012 confirmed by usps per tracking.. 
Capital One has placed phone calls daily to collect alleged debt. Capital one has sent several emails on related to same. These all have taken place after XXXX! XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
simple bank closed and transitioned to BBVA on Saturday. I followed the steps to get access to my account but got locked out. I have tried to call every day but have been unable to get in touch with them. I have also reached out on twitter with no response. I have had no way to access my checking, savings, or joint checking and savings account since Friday XX/XX/XXXX. How am I supposed to know my balance? I need access to my money! There are no branches here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My complaint is with Citi Bank Double Cash Card. I was informed that my available credit would drop by XXXX dollars, during this time I always made timely payments. After the initial drop in available credit, Citi would then cut my available credit limit after each payment I made until I'm left with a XXXX dollar balance. This move is crippling my debt to income ratio. My accounts have always been in good standing, and this amounts to damaging effects on my credit.

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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc
State: AL

Complaint narrative:
This company has reported a collections account my credit report that I have not been made aware of. I have not recieved any written notification therefore, my right to dispute and request verification has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I purchased jewelry and was extended a line of credit by a financial institution that I was told did NOT report to credit bureaus. After having the merchandise for 4 days I contacted the financial institution ( Acima ) to find out my options. I was advised that I could purchase the jewelry for a lesser cost or return it and my lease would be closed. I did so in XX/XX/2021. I am now being reported to XX/XX/XXXX that I've voluntarily surrendered merchandise in XXXX & XX/XX/2021. This is contrary to what I was told. I was not given this information by Acima after contacting them several times. I would have never returned the merchandise if I would have known that they would report me negatively to a credit bureau. They are not helpful when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made an in full credit card payment of {$4300.00} on XX/XX/21. This paid off the entire balance owed. I logged into the account on XX/XX/21 and found I was charged an additional {$45.00} interest on XX/XX/21. How can they charge interest after I have paid the account in full? This is unacceptable! I called Capital One for the reason. I could barely understand the agent, but basically he said that is remaining interest from some type of cycle end date. No, I paid what I owed in full and should not be required to pay more! Luckily I even checked my account, or I would never have known and probably been hit with more unnecessary fees. I'm never using my capital one again ... I've had issues before where they charged unnecessary interest on cash advances. Charing interest every single month on it and there is no way to pay the advances unless the entire card balance is paid in full. This company just gouges you for interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Good morning, On XX/XX/2021, at XXXX XXXX I withdraw {$400.00}, from a TD bank Atm located at XXXX XXXX XXXX in the XXXX, NY. As soon as I took my atm card out and waited for my cash to be dispense, the machine turned off. I informed the store worker, ( ATM machine was inside a Metro PCS store ) and told him the machine didn't give me the money. The Store worker informed that the machine was having issue all day and someone had just came to service the machine. I had made three claims to TD Bank, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and all three were denied. The machine didn't dispense the money, and it was not my fault due to the machine malfunction. I'm sure they can check the ATM camera and see that I dint take the cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc

Complaint narrative:
I was solicitated by a company based out of California called XXXX. This is what a representative of XXXX said in a voice mail left to me. " Your student loans can be forgiven. Hurry and call back because it's a first come first serve basis. '' When I called the representative for XXXX claimed they could help me with my student loans. 

Because of the Pandemic and my being unemployed I was worried as to how I was going to make the payments on my loans. On XX/XX/2021 I signed an agreement with XXXX. They agreed to do the following for me. This was on page 6 of the agreement I signed. 

Scope of XXXX XXXX XXXX Hereinafter referred to as XXXX XXXX  representation of Client ( XXXX ) is limited to the following services : Service ( s ) : 1. Loan ( s ) will be placed on hold for 3 months on an administrative forbearance while processing your student loan consolidation XXXX no student payments are due during this time ) 2. All 6 loans will be consolidated into one account, resulting in less interest accrued. 
3. Lower interests and one payment will be applied under the Revised Pay As You Earn ( REPAYE ) program. 
Service Agreement Client Signature I hereby confirm and authorize this Service Agreement with XXXX XXXX XXXX and all guidelines and restrictions set forth herein : Client Name Client Signature Date XXXX XXXX XXXX SIGNATURE } { SIGNDATE } Everything listed on page 6 had already been done as of XX/XX/2021 by the Federal Government when they passed the Cares Act. XXXX was claiming they were going to provide a service that the Federal Government had already provided to folks who already had federal loans. 

In my agreement with XXXX I agreed to pay {$110.00} cents over a five month period. The payments would be made with my Chime Debit Card. I made two payments to them with my Chime Debit Card when I discovered that XXXX had falsely claimed they had provided the services I listed above. I immediately requested payments to stop, and a refund of the two payments I had made of {$110.00} be returned to me. XXXX stopped payments, but refused to return the two payments I made. They claimed they were charging me for paper work they had to do on my behalf. I made several requests for copies of the paper work that had been submitted on my behalf, and they continually ignored me and sent nothing. 

Because my wife is the card holder of the Chime card that was used, she lodged a complaint with Chime explaining why we were trying to recover the two payments made to XXXX. Chime could not recover the two payments made to XXXX. 

My claim comes down to this. XXXX did not provide the service they claimed they would per page six of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
This complaint is about Robinhood. 3 weeks ago I tried to sign in to my account to withdraw the last of the funds as I am done with using Robin hood in its entirety. I could not sign in, I used their reste password method and I was never sent a reset email. This led me to go on their website and reach out to help and support because there is no customer service phone number whats so ever. After waiting for a week and sending about 100 emails and tagging them on XXXX, they finally asked for an ID because they needed more information to verify me. I have sent them the ID 2 weeks ago, I keep since then emailing them to provide me with more information. I have not had any replies. Since all this happening, I have had my bank account fraudulently added to a new unauthorized account on XXXX XXXX, Ive had my bank account hacked into twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
XXXX Collections -- account reported without proper validation of debt. 



Violation of FCRA.

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