vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have sent letters to Credit Reporting Agencies Transunion and XXXX  for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received a court summons to appear on court for {$3400.00} credit card debt from a collection agency in Colorado. I called the number on the summons I explained to XXXX that I never received a XXXX credit card. He told me that ( XXXX ) XXXX had been sold to XXXX in XXXX. 
I reviewed my emails and bank account transactions. I did have a XXXX card since XXXX and had paid through automatic withdrawals from my bank account. I had never missed a payment. 
Also, I explained that I did not receive any notification from XXXX and that there is no record of a balance. XXXX had no record of my credit card and that I wanted to know why the amount was so large. By going paperless, I am not able to retrieve the card number or the monthly statements Emails are the only source of communication with XXXX. The maximum credit granted to me was {$1500.00} and I had stopped using the card and wanted to pay it off XXXX told me that he could reduce the amount I owed to {$2300.00} and I must pay in one or three payments. I explained that I could pay {$250.00} a month to settle this debt. XXXX threatened me by saying you owe this money and reminded me of the court date. Another person came on the call and told me the only offer available to me to settle this debt was {$360.00} for 8 months, I reminded him that I did not have any statements and still needed more information. 

XXXX told me that this was the only option for me. So, I agreed to his terms Please let me know if this is a legitimate XXXX  legal process for a person in this situation. 

Thanks in advance for helping me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I had a Debt with The Cash Store that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, The Cash Store.

I called The Cash Store and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why The Cash Store and/or XXXX will not remove this last account but I would like it either done, or explained. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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:
I had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.

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 2021-08-05 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: TX

Complaint narrative:
I had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Entered into a consumer credit transaction with Ally Bank. Ally Bank violated several consumer protection provisions. Underneath of TILA, Fair Credit Reporting, Fair Credit Billing, and others. More details will be attached in exhibits.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
53 bank has placed 4 {$500000.00} dollar holds on 4 of my accounts that's XXXX XXXX dollars they say that is because the accounts are pending closure but how does that mean I owe them XXXX XXXX dollars so I have 4 account showing negative {$500000.00} dollars how is it that banks can just put a levee on an account like that I don't owe them XXXX XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I owned a XXXX treadmill and received a recall notice that indicated I could return the treadmill for child safety reasons for a full refund. The unit was secured from my residence on XX/XX/2021 from XXXX employees. XXXX indicated that I would receive a refund {$5000.00} within 7-10 business days. It is now XX/XX/XXXX and I have only received 50 % of my return via check. I was directed to contact Affirm which processes payments on behalf of XXXX and they indicated that they returned the payment to my credit card. I have indicated to them over the last several months that the payment needed to be returned via check as the credit card associated with this account was closed. They are not able to make this distinction or resolve how to transition a payment from the closed account to make it in the form of a check and send it to me. I have made over 10 calls to Affirm to resolve this issue and has included each time communication with a supervisor who is also unable to finally resolve this issue. Each employee continues to read from a script and is not able to find the appropriate solution which is to simply send me a check representing the remaining balance that is owed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I had a Debt with XXXX  XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, National Credit Adjusters ( NCA ). I was told by National Credit Adjusters that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 

I called XXXX  XXXX XXXX and they told me that only NCA could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling NCA back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through NCA, removed. I do not understand why XXXX  XXXX XXXX and/or NCA will not remove this last account but I would like it either done, or explained. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
In my XXXX credit report shows that there is a lease from ( cima credit XXXX  ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
In XXXX the first letter received from North American Credit Services stated the an amount of {$2400.00} was owed, I replied asking for validation of debt showing that I am the responsible party, and yet I've not received a response back. However they sent out another letter in XXXX stating the same thing, instead any type of response that I've requested. Both have account # XXXX Now as of XXXX there's another letter stating an amount of {$2200.00} is owed with account # XXXX. 
For each of the letters received I timely responded back via notarized/certified letter for each reply. Again from XXXX, XXXX, and now XXXX THERE'S been NO response back! 
I've never entered any type of contractual agreement, arrangement, or acknowledgement with or through North American Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: VA

Complaint narrative:
I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a transaction at a JCPenney in XXXX, New York, in which I was prompted to apply for the JCPenney credit card for a discount at checkout. The cashier reassured me that the inquiry would be a soft inquiry and that it would not show up on my credit report if I did not qualify. I am a student so I ultimately did not qualify, but as I left the store, I received a notification from XXXX XXXX on my XXXX report stating that the inquiry was processed as a hard inquiry. 

I first called the JCPenney customer service line and the assistant told me that that situation should have never happened and told me that they would open up a case on my behalf. I gave them my information but as of late, I have not heard back from them. I called the store after I viewed the hard inquiry on my report, to which the worker who responded told me that they would look into it and that they would call me back the next day. I did not receive a call from them so I had called them that morning and that evening, to which I did not receive a response. The manager of that store called me the next day and said that they would do " everything in their power to resolve the issue. '' I came back to the JCPenney location a couple of times to see if there was anything that I could do on my part to expedite the process, the first time being told that they would be in touch and the second time being told by a worker that " there was nothing that [ they ] could do. '' I waited 2-3 days to hear back from the manager and had not heard back from them, so I had decided to pursue the manner with XXXX directly as a credit dispute. I first called XXXX XXXX consumer report line, to which they advised me to obtain a letter of deletion from the credit card company. I called JCPenney 's credit card company asking for a letter of deletion, and I gave them my information as well as my address so that they could send me a letter to have on file. I made this call a week after I received the hard inquiry on my report and the assistant on the line told me that XXXX and I would receive the letter of deletion in no later than 15 business days and that the hard inquiry would disappear by the end of XXXX. On XX/XX/XXXX, over 35 days since I had made this phone call, I called XXXX again to see if they had received the letter from JCPenney, to which they responded that they had not received a letter from them and that the status was still the same on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Once again American Express enables international criminals, fraudsters, thieves against American small business by allowing these people to steal trade secrets, intellectual property, goods and services using their American Express credit card, and then once they have benefitted from this, allowing their " cardmembers '' to file frivolous fraudulent credit charge backs wherein they steal ( in our case {$10000.00} ) in the blink of an eye from our law firm bank account, abruptly & without warning, causing our checks, employee paychecks, rent checks, insurance checks to bounce and otherwise create chaos in our balanced checkbook and small business life. We have provided these thieving dishonest idiots at American Express signed retainer agreement contracts, detailed billing invoices, proof of delivery of goods/services/legal work product & other evidence from our former client XXXX XXXX XXXX, but they still back up/support their criminal cardholders in their theft of services/grand larceny by trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORTS AND FOUND SOM EITEMS THAT WERE NOT MINE. PLEASE CORRECT/DELETE.

Company response to consumer: Closed with explanation