vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had deposited 4 checks into my TD bank account at the ATM for XXXX XXXX XXXX and for XXXX and TD bank refuses to let me have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National credit system showed up on my credit report for {$6000.00} I was unfamiliar with the name so I got they contact off the internet and gave them a call and was told that it was a debit collector for XXXX XXXX XXXX ( old residence ) after I we was on the phone XX/XX/2021 I was told that I would receive something by email few days went by never received anything by email called the company multiple time and was told different things that another department was going to send it check my junk mail still nothing sent them proof that the back rent was paid they claimed they never received it few weeks later still nothing gave them a call again and asking for verification of the debit after requesting to speak to a manager the manager was rude which cause me to get rude still never received the documents sent a certified letter requesting them to respond with in 10 days with the documents I'm requesting ( XX/XX/2021 ) by mail since I was never receiving the emails they claim they have been sending gave them a call and was told that it could take up to 30days gave them a call and the same manager handle the call and broke down what was on the report and finally emailed me but refuse to give me anything supporting the claim that I had did damages to the property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have called Capital One on separate occasions on to why they don't raise credit limits on people who pay on time and have had no issues or go over the credit limit. I know a lot of people who have had late payments with Capital One and been months late and still get credit limit increases. I ask for an increase and they generate some bogus reason as to why I can not get an increase. It seems like Capital One only likes to increase people who are bad at paying their bills to keep them in debt. Capital One won't increase my limit on the cards that I have but they always encourage me to apply for another card vs increasing the limit on the cards I already have. They are trying to do this to get more fees with more cards as to why I have a 2nd card with them. Capital One also likes to blame the credit bureau for reasons for cards not to get an increase. I call the bureaus and they said that what capital one is giving for a decline does not match up with them ( credit bureaus ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
XXXX of XXXX I received an alert the company placed a derogatory mark on my XXXX XXXX. I contacted XXXX XXXX. And I requested two validation letters by mail from the company on XX/XX/XXXX, and XX/XX/XXXX. On XXXX XXXX alerted and informed me Mountain Run Solutions removed the invalid debt. 
On XX/XX/XXXX I received an alert Mountain Run Solutions has now placed A Derogatory mark on my XXXX credit report. 
The debt amount on my credit is {$210.00} an they claimed it was opened XX/XX/XXXX. XXXX XXXX. The company has never responded to my letters or sent me any validation documents that I requested from my letters.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I should not have any late payments reported on my credit report due to Covid-19 becuase I was affected by the coronavirus pandemic. 
ALLY Financial is reporting inaccurate late payments on my consumer credit reports. ALLY Financial is not complying with the Fair credit reporting Act 15 U.S code 1681s-2 ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

XXXX, XXXX and XXXX credit reports show late payment of 30 days from XX/XX/XXXX to XX/XX/XXXX. XXXX, XXXX and XXXX show 60 days late. A late payment can't be 60 days late. 

No report was made for XX/XX/XXXX on all three credit report. 

Ally financial has violated several FCRA laws.

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 2021-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I send a letter asking the company for validation of the debt twice and they never answered this is going over 6 months already, they took the debt off my credit report at one point then put it back on adding a XXXX and then they took off the XXXX and just left the reporting debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

GM FINANCIAL XXXX Balance Owed : {$0.00} ; GM FINANCIAL XXXX Balance Owed : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX  -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD XXXX Balance Owed : {$3000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on AMEX XXXX Balance Owed : {$2500.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : ENHANCED RECOVERY CO L - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the numerous written requests, the inaccurate account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to be removed : MODERN FINANCE CORP - 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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CAVALRY PORT XXXX Balance Owed : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance Owed : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
Over the past few years I have had different prepaid cards NetSpend XXXX XXXX XXXX Etc I've also stayed at hotels quite frequently and most times hotels ask for a deposit I've seen when the deposit has literally been taken out of my account and when it's pending but then all the sudden it disappears as far as the whole transaction is will disappear from every account that I have and I seem to never get my deposits back from these hotels and this has been quite some time since this has been going on every time I call call the think company of whatever card I'm using they tell me I have to wait r make a dispute and then they are not even able to see the transaction so a lot of times they think I'm lying however I also called the hotel to hold that will tell me that they released my security deposit but somewhere in the system my security deposits for these hotels have been being kept and I would like to have my security deposits back now and I believe that these prepaid cards seem to have the most issues when it comes to getting your money back for example every Hotel have gone to they ask are really prefer you to not use a prepaid card because the security deposit and never really comes back which of course becomes the heat issue I'm not quite sure what to do but none of the banks seem to be helping me and I've lost a lot of money because of this please assist

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 2021-11-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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