vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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:
Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$1600.00} and has several inaccuracies that is not FCRA compliant. I have send several letters disputing the inaccuracies and Equifax just responds back stating the account has been verified when is reporting several errors. How can Equifax verify if they are not reporting a account number and the account is reporting CO every month when a charge off is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax is XXXX XXXX XXXX and they responded the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As I checked my credit report, I noticed that there multiples accounts affiliated with companies I have never done business with. I took action by writing Experian about those accounts and asked them to validate and they are unable to validate them, they must delete them off my report because I don't know about these accounts. on XX/XX/2021 I sent them my first dispute letter, waited for over 1 month, I never got a response. on XX/XX/2021 I sent them a compliance letter because they failed to investigate the account, USPS tracking showed they received on XXXXuntil this point I never get a any response from them. it is getting very frustrating. I need some help removing those account from 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 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
Today, I received this response from the company : " STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response We dont up hold divorce decrees, no insurance information has been provided to my client. We have sent verification of debt as requested. Consumer called XXXX XXXX and was to call back and give the insurance info and as of today they have yet to get insurance information ''. 

Not only was my son 's insurance information provided to them but when I called XXXX XXXX, they were rude and told me that they could no longer charge TRICARE because they were no longer within the time that they had where they could charge TRICARE for the bill and were NOT interested in my son 's insurance information and did NOT ask me for my son 's insurance information so there is no way that I would have promised them that information because if they actually had asked for that information I would have willingly given it to them AGAIN because that is far better than having to write a complaint against them or having my credit report reflecting around a {$1500.00} debt that I do not owe to them. XXXX XXXX also insisted that their personnel are basically NOT required to take insurance information and that it was the responsibility of the patient to provide the information to the company. I asked if that was their policy and if they could send that to me in writing and they refused to send me anything in writing that stated it was not the responsibility of their personnel to not obtain a patient 's insurance information- of which I believed was absolutely ridiculous. The company insists that I did not give them my son 's insurance information but has yet to explain how they have mine and my son 's personal information. It's not like I would just give them my personal information and that of my son and not give them my son 's insurance information anymore than I would refuse to give them my son 's insurance information to ensure that a debt is removed from my credit report and responsibility which would have been far easier then filing a complaint with the CFPB with the disputed bill still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I called today ( XX/XX/XXXX ) to request a pay off amount for Thurs ( XX/XX/XXXX ). My balance is about {$6000.00}, and was told my payoff amount would be {$6600.00}. This seemed like a really high amount, but one main financial said it was due to interest on the loan for the whole month. I asked for clarification as to why it was so high, as almost {$600.00} seems like a lot for two days worth of interest. I was given the Run around trying to speak.to a member of management, only to be told it's due to a returned payment back in XXXX of XXXX. Not only was I not informed of the returned payment, thus unable to rectify the situation in a timely manner, but I was completely unaware that it would cause my payoff amount to increase by almost {$600.00}. Additionally I had reached out to OMF for other reasons since, which would have been a fine time to bring it up. So I'm left here confused and feeling totally ripped off and blind sided by this extra expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MI

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-09-21 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: AZ

Complaint narrative:
Transunion is still furnishing information of an account that is falsely reporting to my credit file. Transunion is not following consumer laws. The account is in violation of 15 USC 1681s-2. This account is not showing any information regarding balance, and payment history, so I don't understand how Transunion is vaildating any information on this account. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), this account needs to be removed from credit file. I have submitted a report through the FTC, Attorney 's General, and XXXX. I have attached a consumer fraud report and a copy of my credit report from Transunion of the account that is showing no information. The following account needs to be removed immediately, 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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the recent denial of extension of my own credit via Chase Bank be approved & remedy be provided, as this is my own credit that Chase Bank is extending back to me- not the other way around. 

Pursuant to 12 U.S. Code 1431 : " Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. '' So we can clearly see from this that Banks are not even allowed to " extend credit '', yet are making fraudulent claims that they are the creditor and have the power to approve/deny a natural person credit.

This is outright fraudulent and is discrimination against me as a Federally Protected Consumer. It is my God-Given right to access as many open ended credit plans as I desire ( 15 U.S. Code 1602 ( g ) ), and it is unlawful discrimination for Chase Bank to refuse to extend my credit back to me ( the original creditor ) for simply exercising my rights- pursuant to 15 U.S. Code 1691 ( a ) ( 3 ).

I would like to inform you that in case your corporation continues to make fraudulent claims in regards to my reputation, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any future refusal or denial to extend me my own credit is made by your corporation, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property Lastly, I would like to further inform you that if any action is taken during or after the investigation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Spring Oaks Capital has bought my debt from XXXX XXXX  and reporting it as a new debt. This debt is over three years old and has been reported as charged off then. They are reporting it was opened In XXXX of this year. This is false. They are trying to collect {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion services : Please correct the following from File No. XXXX XXXX ) Delete the new file you have created under file number : XXXX with INCORRECT name the agent preparing this file created. My name is NOT XXXX XXXX. This worries me. 
2 ) PLEASE correct the address on XXXX XXXX showing XXXX XXXX XXXX. I have ONLY rented one apartment on XXXX XXXX it is ONLY XXXX XXXX XXXX. 
3 ) Please delete also another name recently agent has created most likely AGAIN typo, attaching my middle name to my last name together .... 
4 ) Please delete two telephone numbers I never had appearing in my credit file as follows : A ) XXXX B ) XXXX I never had phone numbers with these area codes. 

Thank 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 explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Had a debt collector contact me via mail on XX/XX/2021 stating that I owed < {$20.00} debt to XXXX XXXX XXXX XXXX ( XXXX  ). On XX/XX/2021 I called XXXX to find out why I was turned over to a debt collection agency when I have never received an invoice for the said amount, and have never been inside this building for services. XXXX said that since I went to the ER Now and had xrays performed, this is for the xrays. Even though I had already paid the ER Now invoice for xrays? I asked if I could pay the debt, and XXXX  informed me that there was nothing they could do about the debt. They said that they sent out 2 invoices, yet I have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened an XXXX  XXXX XXXX XXXX through Barclays in XX/XX/XXXX ( approved on XX/XX/XXXX ). I made some intitial purchases and logged into the online account management system. A week or 2 later, I attempted to set up and schedule my first payment. It asked numerous questions, I assume to confirm my identity, but I was unable to recall all the cars I've owned in the last XXXX yrs apparently, and it locked me out of my online account. I called the number it showed and was placed on hold for over 30 min. I called a different day/time, same thing. I did this multiple times, waiting over 3 hrs cumulatively on hold. I finally called different numbers and pressed 0 a lot, and was able to reach someone, they said they were unable to help me. I said I simply wanted to make my payment, they stated they could not process that, and I'd have to wait on hold for the online security department. They placed me on hold for over 30 min. Since then, I have tried calling multiple times, all to no avail. They can't have someone call me back. There is no way to email. So, I've sent a letter, by regular USPS to their complaint department. 
I don't know what else to do. I typically pay my balances in full each month and just want to pay my bill. It is now past due, and I'm sure they are charging fees and interest. 
I was able to reach someone today and she said the same thing. They can't help me or process my payment, she said she couldn't even closed my account when I asked for that today! She placed me on hold again for the security department - I waited over 30 min again. I'm a XXXX  and have kids, I don't have time for this. I just want to pay my bill and get into the account moving forward or close it and no one there will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
Transunion and XXXX credit bureaus refuse to accept two police reports and one FTC Identity Theft Report in order to update my credit reports to show accurate information. The third credit bureau properly updated my information by accepting the police reports and the FTC ID theft report, as required by law. I've gone one step further and wrote a letter citing the law, and now Transunion has locked my out of my account. Since I am unable to fix the identity theft inaccuracies, many aspects of my life continue to be affected. 
I am attaching the FTC Identity Theft Report and the two police reports showing the identity theft ( that incredibly goes back many years ). For the first time with the CPA, I am attaching letters that I am attempting to submit to Transunion and XXXX. Both Transunion an XXXX do not have live operators to talk to. The third credit bureau does and does follow the law ( and I am thankful to you and that third bureau for the wonderful work on behalf of consumers ).

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 2021-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Last XXXX I sent documents but I haven't received any response yet. It's almost 30 days now.. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused report me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. Transunion and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, Transunion and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.

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 2021-09-21 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: ERC
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
On XX/XX/21 I received an email from : XXXX XXXX  c/o LendingPoint LLC Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone number : XXXX This company 's email said they had checked my credit and were denying me for a loan. It said they had gotten my info from XXXX. I NEVER applied for a loan through any company, nor authorized anyone to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
XXXX is trying to charge me {$1100.00} for equipment that has been sent back on XX/XX/2021. The tracking number is XXXX through XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AVANTE
State: FL

Complaint narrative:
The representative XXXX was extremely rude and Harassing. He also refused to give me information on my account that I requested. I had an outstanding payday loan with XXXX. XXXX was not with XXXX XXXX. He would not give me number to call him back later. He tried to pressure me to pay right then even though I told him I was dealing with something at my childs school, that I would need to call him back. He would not email me or offer to mail me a debt notice even when asked. He retorted how many loans do you have? How much money do you owe? Why wont you pay what you owe? Why are you avoiding this? He Would not differentiate the original loan amount. He would not give me contact information about his company. I hung up and called XXXX. They stated my debt was actually with another company and could not verify that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have made contact with Barclay 's Bank on several occassions via telephone or written correspondence and they continue to give me conflicting information. I am not sure that my request to remove the negative reporting has ever been investigated.

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