vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Hello, I recently applied for credit and was denied due to a delinquency and now collection against an old credit card of mine. The credit card is BARCLAYS BANK DELAWARE. I went on XXXX XXXX and it shows they are saying my account is delinquent {$360.00}. I disputed the amount on the phone with them last week XX/XX/XXXX and they told me there is nothing I can do because they've sold the debt to a secondary debt collector and this issue is getting out of control and effecting my ability to get access to credit. Below is the timeline of events against my account with Barclay. 

Last Payment Made : ( PAID IN FULL ) XX/XX/XXXX At this time I put the card in a secure location and NEVER USED IT AGAIN Unaware to me a FRAUDULENT charge was Made : XX/XX/XXXX in the amount of {$3.00}. Barclay would not say how than my account got to {$360.00} but I am assuming they were continually charging my account late fees and interest. 
I WAS NEVER ONCE CONTACT BY MAIL, PHONE OR EMAIL notifying me Barclay Bank Delaware Closed my account : XX/XX/XXXX Again I was never contacted notifying me of this action taken I finally relieved there was a problem XX/XX/XXXX and immediately contacted Barclay first to understand what happened and second to report fraud on my account. The first represented told me about the {$3.00} charger back on XX/XX/XXXX but would not tell me how the account got to {$360.00}, I was than transfer to an account specialist who told me they sold the debt and that they could not speak with me or resolve the debt, I than requested to be transferred to their Fraud department and I was hung up on TWICE. Barclay customer support would not tell me the name of the debt collector and I am at a loss on how to resolve this. 

Please help. 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 monetary relief
Consumer complaint received 2021-06-21 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: IL

Complaint narrative:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 249 THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I ALSO FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )

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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Marcadis Singer PA
State: FL

Complaint narrative:
I sent a certified letter to Marcadis Singer Law Firm on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
HAVE NO KNOWLEDGE OF THIS COMPANY NO WRITTEN NOTICE OF THIS COMPANY NEVER DID BUSINESS WITH THIS COMPANY NO WRITTEN NOTICE PROVIDED FROM THIS COMPANY NO PROOF PROVIDED FROM THIS COMPANY CONFIRMING THE LEGAL RIGHT TO CONTACT ME NO ORIGINAL PROOF NO AUTHORIZATION FROM THIS COMPANY THAT PERMISSION FROM MYSELF TO PROVIDE INFORMATION THAT THEY BELIEVE TO BE TRUE FROM MYSELF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.

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 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint concerns my wife 's CLOSED XXXX XXXX XXXX account. 

She was just alerted that her score had went down, And it reported that " REMARKS '' were added that caused her score to go down 6 points. 

The remarks that were added is such : " ACCOUNT INFORMATION DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENT '' My wife or I has not entered a dispute with Transunion. So please remove that remark, as it is clear it was only added to lower her score for that account.

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 2021-06-21 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: DE

Complaint narrative:
I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX 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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF

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 2021-06-21 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I submitted a complaint to Chase on XX/XX/XXXX and followed up again on XX/XX/XXXX. Both times I was assured I would receive a response with in 7 days. I have received no response from Chase. I was given information by two representatives at Chase about my credit line that is not in line with the action Chase took on my account. The reduction of my credit line has had a negative impact on my credit score. See below : XX/XX/XXXX Hello. I need to escalate an issue with my account. On XX/XX/XXXX, I spoke with a woman in the lending department to do a review of my credit line. After reviewing my credit report in depth and asking me many questions, she said there would be no change to my limit at this time. On XX/XX/XXXX my limit was decreased. On XX/XX/XXXX, I called back and spoke to another woman who was short and unhelpful. Told me to call back Tuesday because the system was down. On XXXX, I called back and spoke with XXXX. He again reviewed everything in detail, pulled another credit report, and told me my limit was being restored immediately. He apologized for the prior issues. I explained to him that I received a bonus and paid off almost all of my debt. I was also in the process of closing out accounts I don't use. I stopped doing that once the limit was removed because I don't want to find myself with no available credit. On XXXX, I looked at my account and the limit has not been restored. I called back and spoke to XXXX. She said she would escalate it and said that XXXX must not have the right authority to process it in the system so someone else has to do it. On XXXX I got a letter saying the line was not being restored. I don't understand why I was given so much conflicting information and promised twice that my line would not be impacted. I would like a manager to call me and for my line to be restored ASAP. Please listen to all the calls, because when I called today XXXX told me there are no notes about any of this, I'm declined, and he would transfer me to the escalations department to leave a message. Basically, he insinuated that I was making all of this up. I told him to transfer me, but of course there is no option to leave a message. Again, bad information provided. I will be filing a CFPB complaint today about this if we don't get resolution. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have contacted Credit Collection Service company on XX/XX/2021 and XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I have not received any debt Validation notices from them. I also disputed this erroneous account with the 3 credit reporting agencies, which returned back to me that this item was verified and updated! How is this possible? I contacted this company over 4 months ago with no response or validation for this debt, which violates the Fair Debt Collection Practices Act. Below i will include all of my correspondence with them and the 3 credit reporting agencies and their reply to my dispute. I also included my Certified mail tracking receipts which clearly states that Credit Collection Service received my dispute and is clearly violating the FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX Portfolio Recovery A I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
When we first set up addition Principal payments with capital one auto they were told to apply my additional weekly payments and any other additional payments to principal. The total additional amount now exceeds {$2800.00}. My regular payments of {$290.00} were received by auto payments starting with the first payment On XXXX XXXX. Payment due date is on the XXXX of the month. The Capital one website is very deceiving when reviewing your payments. It appears at first glance your payments are received. However, it wasnt until I reviewed the balance more closely and realized the principal balance they reflected was higher than what I calculated. I made the first phone call in early XXXX and my last phone call XX/XX/XXXX, with no satisfaction. Capital One will only go back 3 months to adjust my principal. After 2 months of no resolutions and going to the office of the president, not only are they refusing to adjust my principal balance from the first additional payment on XX/XX/XXXX, they have NOT reflected any additional payments the past 2 months from my initial phone call in XXXX, I was informed future payments would be just an applied correctly. If capital one uses there excuses for additional payments to be applied to both principal and interest this is millions of dollars they are robbing from American people every year. They have robbed me of my financial goals of paying off my loan earlier and with less interest. As a retired loan officer Ive seen the negative impact Capital one has done to my clients, I vowed to myself NEVER to use Capital One, however, and unfortunately, the dealership I purchased our car through gave no option other than capital one. Capital one will state additional payments should be done through their online process and if received directly from the customer or a bill pay account other than capital one the additional payments would not be able to be applied towards principle. THIS IS NOT ACCEPTABLE! I ask for my additional payments be applied to principal balance and I was never told it would be a problem. Therefore, Capital One was negligent by not initially informing me. They truly make it impossible to add additional payments to your principal. I ask that you stop Capital One from taking advantage of additional principal payments especially when they receive the monthly payment, it SHOULD BE the consumers right to apply to principal, especially when it was directed. Please resolve this by getting my additional payments towards the principal. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have attempted to retrieve my Equifax credit report from XXXX but am unable due to the system showing I have 4 active disputes and as long as the system thinks I have 3 active disputes it will not allow me to pull my credit report. I have brought this to Equifax attention on multiple occasions but nothing has happened with that. This issue has been ongoing for over 240 days. As you can see from the images my recent disputes are closed and the disputes before that are as well closed too. I confirmed with Equifax that the disputes confirmation # XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX are closed but they are showing them as still open. I also have not gotten the results from the disputes listed nor have I gotten the results from my recent disputes. I have not been able to pull my credit report since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF, THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING XXXX XXXX TO PROVIDE PROOF WITHOUT MY AUTHORIZATION IS NOT PROOF OF VALIDATION NOR IS IT PROOF OF VERIFICATION, WHO, WHAT, WHEN, METHODS, DATES NOT PROVIDED, INVESTIGATION STEP BY STEP DOCUMENTATION PROOF NOT PROVIDED, ILLEGALLY CHANGING NAMES OF COMPANIES UNDER THE ACCOUNT WITH OUT LEGAL PROOF THAT THE FEDERAL LAWS WERE FOLLOWED WERE NOT DONE

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 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Currently the vehicle was taken into custody due to police investigation. Property will not be returned. This is a case of mistaken identity and I will be exonerated from all charges.

Company response to consumer: Closed with explanation