vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Due to being a victim identity theft a fraudulent account with XXXX was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
My Experian credit report I keep getting a collections charge that I do not owe with the originator name as : ATT Mobility. The collection agency name is Credence Resource Management, Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, TXXXXX. They opened this collections account on XX/XX/XXXX. Account Number stated as : XXXX But I have been having XXXX as my mobile service provider. I called XXXX  XXXX  and inquired whether I owe any money to XXXX  XXXX  with my phone number : XXXX  confirmed that there is no such account that starts with XXXX and there is nothing due on my name. 

Since XXXX XXXX, I started having this fraud collections account activity appearing every year in my credit file reporting collections due as {$270.00} to {$290.00}. This year they reported it is reported as {$290.00}. When I called Credence Resource XXXX on XX/XX/XXXX around XXXX EST. XXXX XXXX XXXX XXXX. There was a person with XXXX accent picked up the phone and when I explained that I don't owe any money to XXXX XXXX, then the agent agreed to mark this as a fraudulently opened account. Unfortunately I have shared my last 4 digits of social and my address for verification and they said they will be removing this fraud collections account from my credit file. But I have not seen this fraud collections account removed. 

I have reported experian and opened a dispute. XXXX  has suggested me to file a complaint with Consumer Financial Protection Bureau. 

I got to know when I am applying for homeloan and due to this fraud collections entry, now my bank has increased the interest rate and APR and initial delivery fee significantly. I always pay all my utility bills, credit card bills and all car loan EMIs and all the payments promptly. Since there is no record of my account with XXXX  XXXX  how can I pay and remove this fraud collections entry from my credit file. 

I have also reported this to XXXX XXXX and working with them to write to all three bureaus requesting them to remove this fraud collections entry from my credit file. 

Having said that I clearly see my SSN and my home address and home number has been hacked by some fraud, who is misusing it and damaging my credit score.

When I searched about Credence resource management review in XXXX, I saw similar comments and bad experience from numerous people. I would like to request you to take action against this fraud people who is using credence resource management to do this fraud activity. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I scent in {$500.00} dollars to a company Affirm it's a on line banking company they scent my my {$500.00}. dollar deposit but are now claiming it for me to save my XXXX dollars. I've been on the phone & on XXXX trying to get my money back. But they wont help me. I was lead to believe I could use this to buy item. But that's a lie. They just want your money. My Credit Union XXXX XXXX won't help.

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: 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a card owner with Bank of America since 2016. I learned that they shut down my credit card account because my credit score had gone down by 100 points. I was not notified of this cancellation or the reason of the cancellation.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Mid XX/XX/2021 we were notified by mortgage lender, XXXX XXXX XXXX that our mortgage had been sold to PNC Bank and effective XX/XX/2021 all payments should be directed to PNC Bank. On XX/XX/XXXX, XXXX XXXX XXXX automated payment service deducted the XXXX mortgage bill due on XX/XX/XXXX which was then forwarded to PNC Bank as payment for XX/XX/XXXX. To my surprise, our banking information for the automated payment service was transferred to PNC Bank. ( Could be very helpful! BUT ) on XX/XX/XXXX a charge for the XX/XX/XXXX mortgage payment was charged even though they had already received the payment from the previous lender. 

PNC Bank has agreed to refund our payment but we can afford to live without the {$1800.00} overpayment until the paper check comes in XXXX days. The issue is MANY families would not be able to make this work. 

PNC Bank is preying on poor families to increase the overall quantity of overdraft fees and steal more money from these poor families. I believe the system they have established should acknowledge payments and stop any additional automated payments. Whether this is intentional or accidental the system they have established is flawed and hurts working families.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Attached is a copy of a letter of dispute dated XXXX to Equifax that listed XXXX accounts that I asked to be disputed because they were unknown to me. I sent the letter with a signature requested to have proof that they received it. It has now been more than 45 days since they received it and they have not listed them in dispute nor have they deleted them from my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: TX

Complaint narrative:
Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number I also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Financial Institution : HSBC.

I opened a credit card with them in XX/XX/2021. A month later I see they charged me interest on purchases, however, at the time of application, I remember very well that the account executive that opened the account, told me the card was 0 % APR for 12 months. I wanted to double check and contacted the bank via chat. The agent I talked with removed the interest charge, confirmed it was an error, issued a full refund and also confirmed the card was 0 % APR in 12 months for the first {$10000.00} in purchases ( my balance was below that amount at that time ). 

The next cycle comes and I'm charged again. I contacted both the account executive that opened my account ( I'm still waiting to hear back from her after two weeks ) and the bank 's customer service via message. They told me the card was NOT 0 % APR, ignoring what the agent told me via chat, and that they are not willing to issue a refund. 

They provided wrong information to me and I think is dishonest and unfair not to accept that. They didn't do it on purpose, but I planned my expenses according the information provided by the agent. 

I have screenshots of the conversation where the agent told me I had been charged by mistake and the card is 0 % APR for the first 12 months. See attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Thanks we have an account with capital one bank credit card number XXXX and we sent an total of {$950.00} XXXX XXXX and XXXX XXXX dollars for the account, but instead we never used any of the funds and in fact we was locked out of the account for 4 months now and the crooks are still not giving us our money. I think they misplaced the funds and one of the supervisors told me to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
They are claiming I owe money to Credit management LP a collections company attempting to collect on a debt for an account with XXXX from years ago. I have never in my life had an account with XXXX until about 3 months ago I got internet from them. Ive tried to have them remove this from my name but its still on there and XXXX XXXX will not remove it from my credit report until they verify it with them and its negatively impacting my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have for some time disputed Jefferson Capital about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on XXXX XXXX XXXX and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Jefferson Capital decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Jefferson Calital was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Jefferson Capital that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.

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: 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: FL

Complaint narrative:
XXXX successful got Experian to remove XXXX XXXX XXXX XXXX from my credit report on XX/XX/2021. I was checking my score online when I noticed that Experian had re- inserted XXXX XXXX XXXX XXXX unto my credit profile without notifying me of this. XXXX XXXX XXXX XXXX was re-inserted into my credit profile on XX/XX/2021. The law states that if an item in re- inserted into a person 's credit report then that person should be notified within 5 days. Its now 8days since the re- insertion of the previously deleted item and I have not been notified by Experian the reasons for this and the documents to prove the reason it was re- inserted into my credit profile 3 months after it was deleted. This is a violation of 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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have reached out to Bullcity financial in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Lending Club Corp
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX I made account on Lending Club to search for lenders for a debt consolidation loan, I input my debt and requested loan. I receive a better quote from XXXX XXXX XXXX and I accepted and payed my debts, 3 days later I check my account and saw my accounts had been paid again. I was confused. I looked up Lending Club and found the first loan request had been approved and had paid my debt. All I requested was a loan. I never signed a promisary loan or any other paperwork. I requested refund from all accounts had been paid twice. I paid account to the full Im 3 days and explained to them I never signed any documents and she told me when I hit submit I gave consent. I hit I submit to request a loan. None of the documents In this account are signed by me. I requested they close account and they stated I owed XXXX Im processing fees, I told the, processing fee for a loan I did not approve. This borders on criminal. People should know what fees they are paying before agreeing to a loan that I paid back in 3 days. They used a power of attorney to sign my documents but I did not give anyone a power of attorney, please stop this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, 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 _____ 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 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
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 _____ 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI

Complaint narrative:
In XXXX, my XXXX XXXX was repossessed due to the apartment complex towing it because they said i did not have a registration sticker. The cars tags were current and i left on XXXX XX/XX/XXXX. The Apartment complex towed my car while i was away i did not return until XX/XX/XXXX and the XXXX XXXX XXXX company sold my car at auction before i returned was i was not notified until i returned. I have disputed this many time and tried to explain the situation i have XXXX order showing i was not in the country to fight this at the time this repo is effecting my security clearance

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: Professional Debt Mediation, 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 _____ 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
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 _____ 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 2021-07-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2021 chime bank suddenly Closed both my checking and savings accounts. The checking with over XXXX and the savings with over XXXX. I was asked for documents proving my address, the funds deposited and even tax information which i promptly sent on XX/XX/XXXX and for almost 3 weeks everyday i sent it again and again and asked for updates. I continue to only get automated email responses and no one who answers will give me answers and i have gotten any refund check. In fact they sent an email saying they have closed my account and its no explanation and i have not gotten my funds back. I am a single mom. I can not pay my rent or buy my childs medicine which i have also explained.

Company response to consumer: Closed with explanation