vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: iQuantified Management Services, LLC
State: WA

Complaint narrative:
Good morning, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX I am making a complaint against IQuantified Mg. Services and the creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA My XXXX, through XXXX in XXXX XXXX WA was XX/XX/XXXX XXXX is my primary insurance. XXXX sent me 2 bills, saying that I owed them extra monies. I in fact set up a payment plan for the XXXX and XXXX amounts. The insurance to cover the rest. 

Then on XX/XX/ I received a Collection letter from IQuantified Mge. Services in XXXX, CO to collect for XXXX XXXX XXXX. for XXXX I called XXXX to please contact them, as I was not able to get them XXXX through phone or email. They said they would and that XXXX would get back to me in 5 days.No phone call, no text, etc. 

I in fact never received a written bill from XXXX. It looks like they just decided to send the bill directly to collections. I feel like I am being railroaded. I have an extremely high credit score and don't wish to have a blemish on my score. I always follow the rules, though some arbitrary, but I do. So I feel like I have been scammed by XXXX. 
Please, please help me with this problem. And did they even submit my XXXX XXXX??. Thank you for your time and consideration. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XX/XX/2023 I received a statement from Community-XXXX  XXXX 's XXXX with a charge of XXXX as late payment : 1. I did not open this account, I did not purchase anything with this account. I did not receive a statement with any purchases. 2.This is the first mailing I received from this company. 3. The late fee was dated XX/XX/2023. 

XX/XX/2023 I received two credit report activity alert from XXXX Identity Theft Protection, one dated XX/XX/2023 and XX/XX/2023. 

XX/XX/2023 I called XXXX Identity Theft Protection :1. I filed a fraud report. 2. Froze my credit reporting accounts. 3. I'm awaiting a call from a representative to solve this between me and the credit card company. I do not want to contact the company on my own since its defiantly fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
I was contacted by Genesis Credit Management by a woman whose name I dont care to remember. She supposedly ran the debt collection section for the company whose apartments I was living in. The first time we spoke she informed me of a past due balance. I informed her that the additional charge of early cancellation should be waived per their rental agreement because I gave them advance notice that I was leaving on military orders. I had turned in a letter with the appropriate verbiage as it was explained to me by office staff. The letter was turned in through the mail slot on the office door. I explained this to the woman who called me, and that I would speak with her after I have talked to military jag. She responded with Their not going to help you, they dont help with these things. I thanked her for her advice and told her I would still be talking to them. 

While at XXXX and XXXX School, I left my personal phone with my uncle, she called again and he answered and told her wrong number, she replied with oh, if this is how you want to do business, watch what I do. I was informed of the conversation and told my uncle to block her. A week later she reported the debt to the credit bureau. 

If this is the attitude of a person who threatens and lashes out at service members and discourages them from taking the proper legal means to protect our rights then she should not be working where she does. Having a bad attitude and then deciding to report on someones credit is egregious and she needs a reality check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX says I owe XXXX from XX/XX/2022 and its not my debt at someone opened the account in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Upstart Holdings, Inc.
State: ID

Complaint narrative:
I have reached out to the company with screen shots of my credit report showing the loan still showing open on my XXXX Credit Report. I gave them the loan amount the date I took the loan out the date I paid it off and my information. 

I received an email back telling me the credit bureaus were sent the information of paid as of XXXX. I wrote back and let them know that is incorrect and again sent them screen shots. 

I then received an email back stating I need to send an email with my information and my loan information and request my credit report to be updated. I wrote them back to let them know that is already what I did and it is in the chain of emails already sent. Then I advised them I was going to file a cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-07 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: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.

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 2023-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX called Bank of America that we received an alert of fraudulent charges. Bank of America then closed the card and was supposed to send a new card. We never received the new card. Received another alert stating fraudulent charges on XX/XX/XXXX but holiday so couldn't call because Fraud department was closed. We called Bank of America on XX/XX/XXXX and told them how can we make these charges if we never received the new card. Then, the representative from BOA supposedly put all the charges that we didn't make on a claim. Noticed on XX/XX/XXXX that more charges from XXXX were made that were supposed to be taken off were NOT. I called and spoke with a representative who told me it takes XXXX billing cycles. I waited patiently until I receive another bill ( XXXX billing cycle ) The charges were still on there now collecting interest. I called back on XX/XX/XXXX and finally someone listened and took the charges we did make off the account. These charges were made on the card we did not possession which I told the agent. We received a letter dated ( XX/XX/XXXX ) that the claim was in process and the dollar amount was raised to {$1000.00}. On XX/XX/XXXX, I looked at my account and all the FRAUDULENT charges were put back on XX/XX/XXXX. XXXX department is closed on the weekend. 
Call on XX/XX/XXXX and after XXXX hour and XXXX minutes on the phone. The supervisor said there is nothing more they can do as I have to wait XXXX more billing cycles until this MIGHT be resolved. A consumer should not have to be penalized of charges they didn't make. Especially, when these charges are in another state that I don't live in. I shouldn't have to wait another XXXX billing cycles since this was first an issue since XXXX and now this is XXXX. I am very disappointed in Bank America. I have been a consumer since XXXX when it was XXXX. I do not feel protected.

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 2023-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: NC

Complaint narrative:
After reviewing my credit file on XX/XX/XXXX I identified a discrepancy with account listed under VANCEHUFFMAN and validation was requested as this was ab account that i did not recognize. I reviewed my credit report again XX/XX/XXXX and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct. 

The company responded with this " Vance and Huffman LLC has reviewed XXXX XXXX complaint. The account was obtained on XX/XX/XXXX. On XX/XX/XXXX a letter was a sent to XXXX XXXX making her aware that the account was now in our office for collection. The statements made by XXXX XXXX are false and misleading. The account has been credit reporting since XX/XX/XXXX. This is in regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX obtained a loan for {$300.00}. XXXX XXXX provided her drivers license as verification and provided her bank account with XXXX XXXX XXXX acct # ending in XXXX. When payment was to be made the item was returned due to non-sufficient funds. On XX/XX/XXXX a representative reached out and the individual that was contacted would not verify any information and terminated the call. On XX/XX/XXXX XXXX XXXX contacted Vance and Huffman and she was given the phone number to the office that was handling her file. All calls are recorded for training and quality assurance. Vance and Huffman have not discussed the account in our office any time. This complaint is the only time the matter has been discussed with XXXX XXXX. We have placed the account in a disputed status and requested that all validation be sent to XXXX XXXX for her review. If we can be of any further assistance, please contact the office at any time, we will be happy to assist you. '' This does not verify this belongs to me my name is XXXX XXXX i am a man i have attached my identification. I have never spoke with this company. Again, this is mistaken identity. Next i will do a report with FTC for identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
In XXXX I logged into my mortgage and pai it off in full. Upon completion my account balance reflected {$0.00}. In XXXX I received a letter stating my mortgage payment was past due. According to the letter I owed {$48.00} that had to be paid via certified funds. ACH never took money out of my account and my online balance showed {$0.00}. I sent a money order and paid the loan off but they marked my payment as late and my credit score dropped from XXXX to XXXX. I never knew the loan was still open and my online balance showed {$0.00} for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm trying to get access to new lines of credit, but a previous situation with Capital One and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with Capital One ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) Capital One CC was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under Capital One going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score. 

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am receiving scam calls daily from people who tell me that my personal information is being used to open accounts at XXXX XXXX  Today this person identified himself as XXXX XXXX. Phone # XXXX. He then transferred me to a person that he stated worked for Experian. This man said that his name was XXXX and that he also worked for Experian. He had all of my personal and credit card information. He told me that there was a red mark on my Experian account. I asked him repeatedly the reason for his unsolicited call. He told me that I have trust issues. I hung up and blocked his #. I attempted to contact Experian to see why this man has my credit card information, however, I am not a subscriber and I was unable to locate a viable # or XXXX mail. I receive this particular scam call several times a week. In fact, In a weeks time, I receive at least 6 scam calls daily regarding various services. These unsolicited scam calls are very annoying.

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 2023-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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