vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I noticed on XX/XX/XXXX that most of my money was taken out of my account and call TD bank to dispute the charges. After they received the claim they denied it stating the pin number was used and the card was not used after it was shut off. I put the claim back in on XX/XX/XXXX and it was denied again. It's about {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$0.00} XXXX-Balance {$14000.00} XXXX XXXXXXXXBalance {$1300.00}

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 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently opened a Kohl 's credit card and forgot to schedule the automatic payment as I always do with all my credit cards causing a 30-day late payment on my part. The monthly statement went to my junk mail, and I never got a paper statement because the paperless setting on my account ( all of these was the explanation Kohl 's representative gave me ). After reporting me to the credit bureau, Kohl 's sent me a letter by US mail letting me know I was late ( I asked myself why they didn't send me a letter before they reported me? ) I called them immediately, paid the little bill of {$79.00} over the phone, and explained the representative that the statement was going to my junk mail, and they just didn't care. Bottom line, my credit score went from XXXX to XXXX and Kohl 's refused to contact the credit agencies to reverse this " the information is accurate and updating the information will create an inaccurate representation of the status of your account ''. 
I am not trying to change the rules of the game here, I understand the system, but I don't think they understand the damage they have done to my family financially for not doing the right thing, at least trying. If I want to refinance anything right now, it will cost more money... well I don't have to explain to you what this means, you are in the financial business. 

Please help me, these people don't understand, and they don't care. Consumers are people who sometimes make mistakes, we shouldn't be punish this way. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NC

Complaint narrative:
Fedloan Servicing is still showing my account as open when in fact my loan was transferred to another servicing company. Now on my credit report both accounts are showing on my credit report as if I have all of this debt when I don't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, JPMCB CARD, JPMCB XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mar Joe Enterprises
State: LA

Complaint narrative:
I have been actively monitoring my credit for several years, because I am a victim of identity theft. I got notification that a collection account was added, and when I pulled it up, I knew it was not my account. It is for a facility Ive never even been to and is something like XXXX XXXX XXXX from where I live. 
I contacted the company, submitted to them my ID theft report and police report, and they still refused to remove it. 
I then contacted the credit bureaus and submitted the same information to them. My disputes have all been closed, and it just says that the creditor has certified the debt. 
It really makes no sense. Even if I do have to go to a medical facility, I have Medicare and Medicaid. I certainly wouldnt owe almost {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent over seven written correspondences to this company to request Validation not verification. Each and every time I send a validation correspondence to the company the send the same verification documentation. I have asked this company to validate that this debt belongs to me by proof of documentation. I have specifically requested a copy of the original signed document or contact with my signature that I am alleged to have with the original creditor. I've requested that the collection agency send me an signed contract between myself and the collection agency. I have also requested any account statements that the collection agency has in regards to this account. This company continues to ignore my requests. This company also continues to report unvalidated information to my credit profiles. This company also has refused to conduct a accurate investigation into my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NC

Complaint narrative:
Equifax is reporting that the first major delinquency on my XXXX  XXXX account was XX/XX/XXXX. I settled the account in full on XX/XX/XXXX. The first major delinquency was XX/XX/XXXX and the last payment date being reported by the creditor is XX/XX/XXXX. I have attempted to get this inaccuracy corrected since XX/XX/XXXX to no avail. I have made multiple disputes of the information. XXXX  is reporting the information correctly, Equifax has the dates inverted. This has caused me to be denied credit increase, pay higher insurance premiums, and get a higher interest rate on my mortgage applications. 

Additionally, I have disputed an authorized user account appearing on my credit that I was not aware of. The account was removed but Equifax continues to report a late payment that I am not responsible for nor had any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Synchrony 76 Card account was closed in XXXX of 2021 despite onetime payments, I can only guess for lack of use during covid lockdowns. However, they did not report this to any credit bureau and continued to apply interest and fees for an account that was closed for another 10 months. I eventually settled for {$400.00}, {$100.00} more than my balance when my account was closed, and they show late payments for following 10 months on my credit report. When they settled with me they claimed my account was still open until XX/XX/2021, which was untrue.

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 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This is now the eighth time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for two years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is abusive, deceptive, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all XXXX major credit bureaus ( XXXX, XXXX and TransUnion ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

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 2022-01-12 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: TX

Complaint narrative:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( XXXX, Equifax and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TN

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: GA

Complaint narrative:
As a secondary owner of vehicle financed through the company. Shortly after financing I was XXXX  years of age. The co signer and First owner returned vehicle to loan company due to court order being in affect. Child custody order. Co signer and first owner returned vehicle due to having to turn it over during court of child custody. I called loan company and asked if can get possession of vehicle and continue to make payments. Loan officer advised me I could do that but if custody battle was hostile co signer did not have to turn vehicle over to me and could still possess title. Vehicle was never mine. Was only signed on loan to help build credit as I was starting out. I tried to take ownership of vehicle to keep credit in good standing. Loan officer advised me co signer would still get possession of title and vehicle if I made the payments throughout the loan. Was advised to appear in court to have my name removed from vehicle. Never received court date nor documents on when to attend. Would like this debt removed from my credit considering it has been several years. I have filed disputes and can not get the vehicle removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

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 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my 11th complaint that I am filing against TRANSUNION. There were two [ 2 ] deleted inquiries from my TRANSUNION credit report after my disputes and now TRANSUNION is liable to compensate me with monetary remedy. By deleting the inquiries off my report, TRANSUNION is admitting that their practices are in fact abusive and deceptive. INQUIRIES DELETED : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, TRANSUNION deleted the inquires after I disputed. Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. -The term consumer means an individual. -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. Pursuant to 15 U.S. Code 1681o, TRANSUNION is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as TRANSUNION is liable by law to pay my invoice.

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 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
I regularly monitor my credit reports due to identity theft that Ive been having is I deal with for several years. I got an alert that there was a collection for a doctor in Florida, but I havent been to any doctors there or even been to that state in many years. 
I contacted the collection agency and sent them copies of my ID theft report and police report. I even sent them proof of where it was at the time the person who was impersonating me was seen at the hospital. They still refused to remove the fraudulent debt from my credit file. 
I then contacted the credit bureaus and sent them the same information. All they did was notate that it met FCRA requirements, but its still showing on my reports.

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 2022-01-12 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: Kashable LLC
State: TX

Complaint narrative:
I have previously written letters to notify you ( Kashable LLC ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. Kashable LLC Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation