vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have asked for an investigation into the matter previously. It was not corrected. I have filed a complaint with the FTC. Please remove 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 2021-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitalone is harassment on my payment that is not due till XXXX of each month.Iam on fix income with social security, i get paid on 3rd week each month.Capitalone demanding payment on XXXX, by XXXX.My social security this month comes on XXXX, Capitalone sent this note yesterday to me : About your XXXX Card ending in XXXX XXXX, Dont forget, your online payment is due by XXXX XXXX ET on XX/XX/2021. 

If youre enrolled in AutoPay or already scheduled a paymentgreat! You can sign in to see your scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: MD

Complaint narrative:
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Regions should not have them there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
As I said before, I didnt give OPTIMUM OUTCOMES permission nor my consent to speak to me, a natural person, the consumer, about an alleged debt. Furthermore, OPTIMUM OUTCOMES admitted to getting my information from a XXXX XXXX XXXX over a year ago. I did not give consent to neither of these companies, so therefore thats another violation pursuant to 15 USC 1692. You have injured, stolen my identity, and harassed me for over a year now. Youre not allowed to state a natural person owe a debt so tell me how OPTIMUM OUTCOMES didnt violate Federal law? I was injured and Im demanding monetary relief. When I told OPTIMUM OUTCOMES to remove my information, theyve shouldve done so. No matter how many times I stated it, OPTIMUM OUTCOMES refuse.. Now all of a sudden, they want to listen and XXXX  XXXX honor my Cease and Desist letter. You cant pick and choose what to honor from my Cease & Desist letter. OPTIMUM OUTCOMES denies any alleged violations of law but them FIRST stating theyre a debt collector and this is an attempt to collect an debt, is one of the first violation according to 15 USC 1692b. I dont care if OPTIMUM OUTCOMES thinks its copied & pasted OPTIMUM OUTCOMES didnt have a problem copying, pasting, and BUYING my information from third party reporting agencies, or else, we wouldnt be here. As a private consumer Ive been injured and I demand monetary relief. I dont care what other consumers are posting or doing. I am XXXX XXXX, a consumer, the natural person according to 15 USC 1692a ( 3 ). A corporation, OPTIMUM OUTCOMES, has no voice and can not speak for me nor address me. OPTIMUM OUTCOMES caused this and I will not let this go until my Cease & Desist letter is honored, entirely. The next step is Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 have asked for an investigation into the matter previously. It was not corrected. I have filed a complaint with the FTC. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
I have asked for an investigation into the matter previously. It was not corrected. I have filed a complaint with the FTC. Please remove 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 non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Dear sir/madam, Due to the pandemic, I lost my XXXX XXXX and I fell behind my mortgage payments.The lender offered a loan modification which I accepted, it was signed notarized and return but they claimed that they never received it so they cancelled that offer and asked for the full amount due. Eventually they started to accept payment and I'm paying extra every month but it is a hassle to find someone to accept the payment. Today XX/XX/2021 I tried three times with a long waiting period and no one to accept my payment I also found out that my last payment is in suspense. This is so difficult and frustrating and I'm looking for help to get it solved, I would greatly appreciate if someone can help me, 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 2021-08-13 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I checked my credit report today and realized I had a collection from Eastern Account System that I was unaware of. My credit dropped from a perfect XXXX to XXXX because of this. I never received a letter or collection from Eastern Account System. 

The report says this was reported to credit bureau XX/XX/21.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank ( formerly GE money bank ) I bought a XXXX XXXX, need lein payoff paper to title it. Faxed All info. Starting in early XXXX. 5 times, called 17 times. Talked to 1 person was told 10 days. XXXX, and in XXXX. Now No answer. Left at least 8 recordings. ( lein was paid off approx. 7 years ago. ) Bank # XXXX. My home phone is # XXXX. Please help me with this. Notary also tried, fax and by phone. THANK YOU. 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 2021-08-13 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
I've tried to dispute this once they refused. I have no idea what this debt is from they say I had a car I believe just on the phone yesterday. I've told this company multiple times this isn't me and they still call and harass me for money I don't owe them. I've been treated unfairly for the last few years and over paid thousands in interest due to this account being in collections. 

Collection company is NCB MANAGMENT SERVICES I've never once accepted ownership of this debt always told them this wasnt my own doing and they still continue to leave this collection marketed against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: ERC
State: NY

Complaint narrative:
Dear Sir or madam, I am looking for validation and verification of the alleged debt attached. I have tried to resolve this with the company and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
XX/XX/XXXX i made a purchase at XXXX XXXX  in XXXX for XXXX which was authorized by me. then on XX/XX/12 with no explanation DIRECT XPRESS made a debit card adjustment in the sum of XXXX and this amount was deducted from my account again. i do not want my card cancelled. i would like the debit card adjustment returned to me. i spoke to the merchant and they did not have anything to do with this and direct xpress can not explain it. I DO NOT WANT MY CARD CANCELLED BUT RATHER THE DEBIT ADJUSTMENT REVERSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2020, I XXXX XXXX extended credit to Best Buy Citibank. For a year I have been deceived into making payments. Best Buy has been harassing me, calling me multiple times a day during unusual times. Best Buy did not receive any consent from me to contact me. In XX/XX/2020 after extending this line of credit, Best Buy never notified me that this was an attempt to collect a debt nor did they notify me of the right to validate or dispute this alleged debt. This is a violation of the Fair Debt Collections Practices act. Not only does Best Buy engage in unfair abusive debt collection practices, but they also furnish false and deceptive reports to XXXX XXXX and XXXX. I never gave them permission to report anything to my consumer reports and they did not inform me of my right to opt out. This is a transaction in which a finance charge is involved using my open ended credit plan, therefor Best Buy requesting payments by cash, check or mail is deceitful and a violation. I have attached and Affidavit of Truth, Debt Validation and a Cease and Desist letter to Best Buy. These documents contain over 10 violations with proof. Upon receipt of these documents, Best Buy has 30 days to respond. If a response is not received, this account and alleged debt should be closed and Best Buy is to cease any further attempts to collect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: American First Finance, Inc.
State: CA

Complaint narrative:
I have been having problems with American first finance. I have paid off in full both my accounts one was {$440.00} and {$450.00}. They have not reported it the credit bureau and im not happy. I had to call two months ago because they werent reporting my payments .Why should i have to call them to report that I have paid these accounts off. I did part and paid in full and even early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
On XX/XX/21 I was notified of a negative account on my credit report. The company is Sequium Asset Solutions for an XXXX  account that was opened fraudulently. I am currently a victim of identity theft. XXXX XXXX XXXX team has confirmed the account is fraudulent. Sequium Asset Solutions refuses to investigate and remove the account from my credit report. They are reporting inaccurate information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with XXXX  as XX/XX/XXXX, XXXX  XXXX and Equifax XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. XXXX XXXX  is showing an high balance {$64000.00}. And Equifax is showing a high balance of {$21000.00}. This is just confusing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Experian Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX a.k.a. XXXX, Account XXXX due to true identity fraud. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

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