vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA

Complaint narrative:
I sent this company a letter to validate a debt that I owed according to them. I sent the letter on XX/XX/XXXX I gave them 30 days to validate the debt but they never responded. Again I sent another letter on XXXX to let then know about the previous letter that I sent which they also did not responded. I never received anything from them no letter, nothing!! Under the ( FDCPA ), I have the right to request validation of the debt they say I owe. Normally they have 30 days to respond if not they have to stop the collections and delete it from my Credit Report and today is XX/XX/XXXX that's over 4 months. This is very unprofessional from their company and they are still affecting my Credit Report. I have all my letters and receipts In case I have to take this to small claims court, this is affecting me XXXX and I was very generous I waited this long. I am also contacting CFPB about this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Apparently XXXX  XXXX University made a loan to me. I was never informed that XXXX  XXXX was making loans personally ; I was told that it was a XXXX XXXX XXXX. 

That was circa XXXX or so. I graduated in XXXX. During that time I was experiencing chronic homelessness and severe financial difficulties. I made several attempts to address the debt with XXXX  XXXX in XXXX, during a time when I was homeless, unemployed and broke. 

So XXXX  XXXX sent the debt to the Attorney General, who then doubled the amount of the original debt, from {$6500.00} to now almost {$12000.00}. The Law Offices of Robert A. Schuerger Co., L.P.A has threated to sue me and even rudely informed me that the debt wasn't dischargeable in my Chapter XXXX bankruptcy I filed in XXXX, despite the debt being classified as university/institutional debt. 

They have informed me that I will be sued and they will take my tax refunds and garnish my wages and that there is nothing I can do with the debt except pay it. The statute of limitations has since passed for this debt and I don't appreciate the strong arm tactics being employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recently I received an overdue notice on my Bank of America credit card, which I thought was strange since I'd set up automatic payments. I spoke with someone by phone who kindly reversed the late fee and interest charges. I asked her how much I had to pay to pay off the card. She told me and I set up an automatic payment. When the funds didn't leave my XXXX XXXX checking account after a couple of days, I checked and saw that the automatic payment had defaulted to come out the following month, XXXX, when my next bill was due -- even though I was already overdue for the current month. So I set up another automatic payment, this time to come out the same day, XX/XX/XXXX. Then I called Bank of America to cancel the card. I'd had enough of this bank. The person I spoke could not see any pending payment. I told him I saw on the website that the payment was being processed and he said that it would be applied tomorrow in that case. 

That was yesterday. Today I received a text about debt collection, saying I was overdue. When I logged in the payment was still in process and there was red text everywhere about how late I was. I called again and was first passed, for some reason, to the fraud department, then to someone in the digital world, who said she couldn't see my pending payment even though I HAD A BANK OF AMERICA CONFIRMATION NUMBER RIGHT THERE ON THE PAYMENT SCREEN. The only way I could ensure the payment would go through would be if I gave her the RTN and account number over the phone, which I did. 

I asked her if by some miracle any of the other payments I'd scheduled managed to go through, would she refund the money and she said yes, she'd refund it to my checking account ( and not the credit card I happily cut in two ). So that's good! In the meantime, I wasted far too much time on this and I'm worried that I've been reported to a credit agency. I don't keep running credit card balances and I recently had a perfect credit score. That needs not to change. I want proof that this late payment has not been reported to a credit agency -- and if it has, I want a correction sent out. 

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 monetary relief
Consumer complaint received 2021-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX account that reported in Experian is a fraud account. I claimed I am a victim of ID theft and have been disputing this account over the past 5 months. I provided all document necessary to Experian and XXXX but they are defying my claim though could not provide the proper evidence I was asking for. 
Experian has inaccurately reported fraudulent XXXX, not only in its own reports but also listed fraud account in XXXX  report line within its 3 bureaus combination reports. In fact, this fraud has never been shown in XXXX  bureau and I never disputed this account with XXXX or XXXX bureaus from the first place. 
This inaccurate reports from Experian must be resulted from an ID theft or mistaken with somebody who has similar name as 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 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
25+ calls from various numbers attempting to collect a debt that is under dispute as unauthorized account and transactions anyway. 
XXXX XXXX XXXX Comenity bank XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to XXXX  XXXX they didnt do anything and sold my debt to a company called portfolio recovery associates 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I learned on approximately XX/XX/XXXX that someone had used my information to open multiple utility accounts in XXXX Texas, a state that I have never been in my or know anyone, and I learned because I was notified by a credit card I have that my credit score dropped almost a 100 points and then after filling a dispute with experian also learned that my information was likely gained because of their data breach a couple years ago. And now they verified that what I have told them was indeed accurate, I see that instead of completely wiping this fraudulent account off of my credit report, instead they have it listed as a charge off and looks like that I was responsible for it, but the company just wrote it off and showing that it will be on my report until XXXX!! This was a theft and a fraudulent account and it should be erased from my report completely and I am trying to fix my credit and this fraudulent account is effecting my credit drastically! Please see what can be done about removing it completely. Thank you for your attention to this matter.

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am filing a complaint against CREDIT CONTROL , LLC XXXX CREDIT CONTROL & XXXX  ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter

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 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern my name is XXXX XXXX, I am filing a complaint against Capital one Bank. I received a XXXX XXXX XXXX grant in the amount of {$10000.00} on XX/XX/XXXX, my XXXX  was a XXXX  XXXX  that I used to provide XXXX  and XXXX  for XXXX XXXX at that time. Because my XXXX was a XXXX XXXX, I used my Capital one personal checking account for that business purpose, which by law is totally legal to use your personal bank account for a XXXX XXXX. On XXXX  XXXX XXXX XXXX XXXX XXXX, Capital one put a restriction on my account six months after I received the XXXX grant. After explaining to Capital One Customer Security Department that my business was a XXXX XXXX the restriction was removed. On XX/XX/XXXX Capital One decided to put another restriction on my account, once again I contacted Capital One Customer Security Department and they said that they decided to close my account. The Amount in my account as on XX/XX/XXXX is {$3400.00} in my Capital One checking account XXXX, and {$240.00} in my Capital One Saving account XXXX, that is a total of {$3600.00}. Personally, I feel that Capital One Bank Customer Security Department profiled me, and I have a few reasons why I am making these allegations against Capital One Bank. 1. I received the {$10000.00} grant on XX/XX/XXXX, why would Capital One Bank wait until XXXX XXXX which is XXXX XXXX XXXX to put a restriction on my account? 2. After the restriction was removed the same day, which was on XXXX XXXX XXXX, since then I have received my {$600.00} Stimulus payment from the IRS, a XXXX payment in the amount of {$750.00}, and Cashier check payment for {$3000.00}, why on XX/XX/XXXX, did Capital One Bank decided to put another restrict on my account again? knowing that I currently have {$3400.00} in my checking account and {$240.00} in my Capital One saving without sending any type of warning letter or email of any kind and knowing that I am a XXXX  class XXXX American male, that uses my funds to put food on the table for my family and pay my bills. I am really upset about this because I really believe that Capital One purposely profiled and targeted myself and other minorities. I currently have a totally of {$3600.00} and Capital Bank needs to send my funds asap so I can pay my bills. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
I sent a debt validation letter on XX/XX/2020 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: OH

Complaint narrative:
At XXXX EST on Friday, XX/XX/2021, I missed a call on my cell phone from what appeared to be a local number XXXX ( XXXX XXXX XXXX. I called that number back on XX/XX/2021 at XXXX and asked if someone had called me. A woman asked my name I said this is XXXX, did you call me? She said yes, this is Capital Management Services and asked for my last name. I said you called me and Im not familiar with this company why are you calling. She said are you XXXX XXXX I stated that was my name, but its not now, can you tell me why youre calling, I dont think we have ever done business. I felt it was a scam. I XXXX  the name and it appears it may be collections, only I dont have anything that would have gone to collections. She said I cant tell you without your name, birthdate, or last 4 of your social. I said Im not giving you my info over the phone unless you identify what yorur company does. She proceeded to try to get my info. Birthdate and last four of social. I finally gave month and day of birth and she told me there was a discrepancy in the date she had versus what I provided ( stupidly I gave her the correct date ) so she wouldnt be able tell me anything without the last 4 of my social. I said I dont ever give my social to anyone over the phone ... nice try ... and hung up. Any legitimate company would tell you who they are and why they are calling and Im pretty sure collections has to identify themselves. I want to report them for fraud, misrepresentation, illegal, and unethical behavior. I found many consumer reports regarding similar tactics. I also read they try to collect debts that have already been paid or charged off. I dont understand how they can continue to get away with this.

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 2021-01-23 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-23 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: FL

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to capital one they didnt do anything and sold my debt to a company called XXXX XXXX XXXX 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-23 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX Amounts {$4500.00} The company said they would try to email the wire team to try to get my money back, but I feel the need to complain because they ignored my complain over phone, I told them that I have asked the costumer services more than two times and they never mentioned once about my account safety. For that, I recalled all the things about this fraud.

Company response to consumer: Closed with explanation