vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SinglePoint GI
State: KY

Complaint narrative:
On Wednesday XX/XX/2021, I received a call from General Revenue Corporation. They asked me to verify personal information without giving me any information, to which I declined due to the increased phishing and scam attempts due to COVID. Without verification they could not speak to me. That was the end of that conversation. A couple of hours later, I received a call from a previous boss that general revenue corporation had contacted him attempting to get information about me. The representative went as far as insinuating he is my husband and proceeded to tell him that if he could confirm that she would discuss the matter with him. This made him extremely uncomfortable. Not only that, they contacted his mother. I understand harassing me, but my bosss mother? They left a voicemail for her leaving a reference number for her to call. I called them and asked them to cease all contact, because what they were doing was not legal. The representative denied the allegations and did not care that I asked them to the discontinue their attempts to contact third parties. I told the representative at general revenue Corp that I would be taking care of the matter ( they insisted I consolidate my student loans, which I have completed ). However, even after speaking to them they proceeded to call others, this time my brother and mother, and also called my workplace. I have been beyond patient with them, but general revenue Corp has crossed so many lines. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WY

Complaint narrative:
Well with all do respect, I did twice talked to the XXXX in XXXX XXXX XXXX Utah about this when it first came out asking them to help me removed/fixed because it was not mine and i was told they were going to looked at it and let me know but they never did. Then i received letters from collection companies to pay more than XXXX XXXX dollars of medical bills which does not belong to me and i have called the collection company ( IC System Inc ) twice asking to dispute because it was not mine, I remember asking twice for disputing of the same claim and so far nothing has been done to it. This is within the last 5-6 years I think and still today its been ruining my Credit Report.

IC System Inc collection company. 
So please Im asking for help to see if this can be removed off of my credit report as soon as you can with all do respect, 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
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
To Whom it may concern : Pursuant to Title 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device shall be excluded from the consumer report. The term credit card as defined under title 15 usc 1681 states any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card being my social security card. Notice Congress said ANY card. This is the card I used to originate every consumer transaction below. They along with each inquiry should be excluded from my consumer report pursuant to 15usc 1681a ( 2 ) ( b ). I am demanding that you remove these transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I am also demanding that I be compensated pursuant to 1681n ( a ) ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have multiple credit cards via comenity bank. Today specifically I had issues with XXXX  and Victorias Secret. I knew my payment was due today, XX/XX/XXXX. Im out of town and forgot my date book but knew the payment was due by XXXX. I had someone get my password and logged in at XXXX to make the payments. I was unable to pay today. The only payment option was tomorrow-which is late. I get electronic statements and dont recall being informed of this time change. The reason I was aware of XXXX is because I logged in to make a payment before and was considered late even though I was paying on the due date. That time I sucked it up but this is ridiculous. My car loan, mortgage, major credit cards dont engage in this ridiculous practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: MI

Complaint narrative:
I disputed this item 2 twice once back in XXXX a second time in XXXX with XXXX  XXXX/Bank CC 'd, Equifax claims that the item is legit ... ... However I also directly emailed XXXX  XXXX  on XX/XX/XXXX of this year. I received a letter in the mail stating the item will be removed, which indicates Equifax DID NOT verify the item with the furnisher. ( See attached. ) The hard inquiry from XX/XX/2020 SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
Approximately a year and a half ago I applied for a home equity loan through KeyBank. After several months of being put off I was informed in writing that I was approved and I needed to make a trip to Ohio to sign the necessary paperwork. I expressed my concern because of XXXX and my XXXX XXXX about traveling. I was told that my brother could use power of attorney to complete the transaction for me. My brother made two trips to Ohio from Florida to no prevail the first time the paperwork was not done the second time the paperwork had some errors. I was forced to make the trip myself I was told to come to the local branch in XXXX Ohio all the necessary paperwork was ready guarantee there will be no issues. After arriving in XXXX Ohio I contacted the bank and was informed once again the bank and made errors. I was asked to stay a few extra days at my expense. I did so then I was informed that the bank had some paperwork to fix and the loan will be done soon. Meanwhile pending this whole time I had a purchase of a house I lost because of delay delay on KeyBank side. After approximately another week I got a letter denying me my loan after being told numerous of times while loan was approved. I was in contacted by a lady name XXXX that offered me {$1500.00} for my inconvenience. I found that insulting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/21, I transferred {$120.00} from a Venmo payment from a friend via bank transfer. I submitted the incorrect routing number for the bank and tried to cancel or retrieve the transfer within 10 minutes. I couldnt do that on my own so I started a chat with Venmo customer support. The Venmo representative told me to contact my bank and wait 3 days, even after I told them the routing number was for a bank that was not mine ( multiple times ) and I would NOT see the money applied to my account, a loan, or a mortgage as a line of credit as they told me to expect. They told me there is nothing they can do aside for tell me to contact my bank ( even though the routing number is for a bank that is NOT mine ), wait, and contact them after 3 days if things are not sorted. The disappointing part is that a company specializing in money transfers does not have the ability to cancel or retrieve a bank transfer until after 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I submitted a previous complaint about Wells Fargo and the processes they went through with my loan as well as the XXXX XXXX dealership, the incorrect information was placed on my initial application. Instead of correcting the information with Wells Fargo the dealership opened a completely different loan on XX/XX/XXXX XXXX weeks after the initial loan was set up. Wells Fargo checked my credit for a second time after I reached out to them and explained the situation they advised it would be corrected, they did not correct the credit check situation for me as of todays date. I have reached out to them multiple times they have still not corrected the situation. Wells Fargo also returned a check I sent to them to refinance the car on XX/XX/XXXX is when they receive and cash it, after telling me they would just place the check on the correct loan and that there was nothing for me to worry about, taking possession of the loan back even though they were no longer the lien holders on XX/XX/XXXX. Wells Fargo reached out to me to request information to speak to my credit union in regards to the mistake asking them to correct it and redo the loan. I spoke with my bank and authorized them to reopen a loan for them again paying the same amount that we initially paid {$19000.00} because that was all that was owed to Wells Fargo. Wells Fargo told my credit union the pay off was in the amount of {$19000.00} charging me almost {$200.00} additional charges in interest when I had already paid and accumulated interest with my credit union. The higher amount also caused my monthly payments to increase luckily I have a good enough relationship with my credit union that they did not check my credit union especially with this being the 3rd time they had to rewrite this loan. I reached out to Wells Fargo in regards to this matter again on XX/XX/XXXX and they advised someone in the escalation department would be getting in touch with me no one has gotten in touch with me in regards to this matter as of todays date. My credit has continued to go down because of not only the credit checks but also the opening and closing of all these accounts and no matter how many times I reach all they ever say is its taken care of or someone will get back to you. I have been dealing with this situation for almost 3 months and it is still not resolved. This is my second complaint I have had to file the first one I did was before the payment of the loan issue. I talked to other past clients of wells fargo and they told me they had also had issues with Wells Fargo when it comes to loans.

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 2021-07-08 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX of XXXX I filed a complaint against Chase Auto Finance regarding my loan. The complaint number for that claim is XXXX. I have been XXXX since XXXX of XXXX and I bought a policy through XXXX Insurance for XXXX XXXXXXXX and XXXX XXXX when I bought the car. XXXX has been making my payments since XXXX of XXXX. Once again, they are claiming they didn't get a check for XXXX of XXXX. XXXX at XXXX, sent that check on XX/XX/XXXX. She has sent over a copy of the check that was sent to them. Chase has charged $ XXXX in late charges and are harassing me once again about non payment, even threatening to repossess my vehicle. I have made numerous calls to Chase and I get no resolution. This is so frustrating to me as I am chronically sick, and this is causing me undue stress. XXXX is doing nothing wrong, Chase Bank is once again dropping the ball, exactly as in my first complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Easy Finance, LLC
State: HI

Complaint narrative:
Company calls me at XXXX i dont know what it is i have never did business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me. 

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me.

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
TRANSUNION : I have requested hard inquiries be removed from my credit report through Transunion due to being a victim of of an inquiry issue with Transunion. Fraud department/special services would not remove or properly investigate issue on the 22 inquiries that are fraudulent. The only inquiry out of the 23 that is True is the XXXX XXXX inquiry from XX/XX/2021. Special services representative would not give me any timeliness and just said we will look into it. He also told me that some would be able to be " looked at '' and others won't? When I pressed him on which ones he got flustered and could not answer. Also representative said at the end they did not and can not dispute inquiries at the end of the call after reading over all 22 inquiries. He also said multiple times to just give it some time. Very weird and vague. Not sure if he knew anything or what to say. Really shady and seemed like not true representative.

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 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One, Amt {$10.00}, Due XX/XX/2021 My amount was {$10.00} due on XX/XX/2021. I called Capital One twice with long hold wait time, no one picked up the phone. My purpose of called was to dispute this amount because I was unable to recognize the charge. Since no one answered the calls, I decided to pay the amount on capitalone.com, then dispute the amount {$10.00}. My payment was submitted a few minutes after XXXX XXXX. Since XXXX XXXX  was their cutoff time, its website took my payment on XXXX instead of XXXX. I have called Capital One a few times just to advise them my payment and dispute situation. Unfortunately, it's a long hold wait time or no one answered the phone. Today the XX/XX/2021 at XXXX XXXX  I finally spoke with a Capital One supervisor named Ms. XXXX, ID : XXXX. I explained to her the situation about why payment was submitted passed XXXX XXXX. She put me on hold 70 minutes for another manager, then she told me that she can not adjust {$28.00}. She refused to provide another manager name. She was very rude and hung-up the phone. I strongly believe that during this Covid crisis Capital One should be more understanding this economic difficult time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: NM

Complaint narrative:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation