vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: MD

Complaint narrative:
My credit score is consistently underrated and by Experian. My credit score with XXXX XXXX and XXXX typically ranges from XXXX to XXXX. My Experian credit score is XXXX. I contacted Experian on XX/XX/XXXX in an attempt to find out why it was such a disparity with my Experian credit score, Oppose to XXXX XXXX and XXXX  score. I have received a response from Experian as of this writing.

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 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-03-03 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I have a balance of {$3800.00} showing on my credit report from National Credit Adjusters. I paid the loan back which was XXXX. I also have proof from my bank that I paid the loan off with the previous company called XX/XX/XXXX. I paid the loan off on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: VA

Complaint narrative:
I have contacted the collection company and XXXX disputing this debt many, many times. I have requested information under FCRA, asking XXXX to provide me with proof and documentation of their verification process, and also I have requested the collection agency to provide me with documentation bearing my signature showing This debt belongs to me with an agreement, signed showing I supposedly owe this money. All attempts have failed. This collection agency and hospital has also violated my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I have requested proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please also be advised that this complaint is not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance and a response to this compliant, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of state medical privacy rules. 
I also hereby reserve my right to take private civil action against the hospital and collection agency to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
on XX/XX/XXXX, XXXX with Executive Customer Relations at Ally Bank XXXX wrote a statement XXXX attached ) stating she would remove the inaccurate reporting to the credit reports. i am now writing 9 months later as this problem has yet to be resolved. XXXX attached credit report images ) please expedite this request and fix ASAP. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/21 I applied to Citi for a new consumer credit card. Citi denied the card under fraudulent representations of fact. Citi pulled a consumer credit report and claimed to deny the application in full or in part based on the data provided. This however directly contradicts their own cited rational for the denial. Over 11 years ago, I did declare bankruptcy - a bankruptcy that Citi is using against me. Citi does not disclose or acknowledge that a bankruptcy will create a denial. This is exceptionally misleading as the credit bureau on which Citi relied could not report a bankruptcy as it was more than 10 years ago fully discharged. Citi also claimed that current accounts have a history of late payments - a claim factually repudiated by the very credit report on which Citi claims to have relied and show a perfect payment history. Further Citi cited a restricted credit priviledge on existing accounts ; such information is not part of the credit bureau record. 

Citi, pulled a credit report and claimed to rely on that data, but rather than truthfully use that data they relied solely on their own records to deny credit. These are terms which could and should have been readily disclosed in the application, there was no reason to pull a report when they intended to deny the application on internal data alone and reasons that could have easily been avoided by the applicant. 

Further, Citi provide and XXXX number for questions and assistance. The number for customer service and the number provided on the credit denial both resulted in numerous automated system hangups and no ability to reach a real person or obtain staffed service hours. The number provided is merely an automated system that will not connect to a person, hangs up on you when it is done reading the already sent letter verbatim. The is not customer service, it is the complete lack of service. 

Because I have another account with Citi, I was able to access the fraud department on XXXX, which connected to a real person. Connecting a real person in applications, remained a time consuming challenge.

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 2021-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
This company started by texting me and family members saying they were with XX/XX/XXXX When I called they claimed to have a " case '' against me for a very old payday loan that was settled years ago. I never received anything in writing but they are now threatening and harrasing claiming that they will garnish wages and take me to court. 
Claiming I owe over {$5000.00} This started XX/XX/XXXX They are claiming to have received my debt/account in XX/XX/XXXX I contacted original creditor to verify they did not sell it to this company and I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I was initially contacted via a phone call in early XXXX. When I answered, the lady asked if this was ( she addressed me by my name ) and I responded, " it is '' and then she said, is your date of birth, XX-XX-XXXX, and I shared that I do not give out that information over the phone to someone randomly calling me. She shared she was calling about a debt, but could not share any information unless I provided my date of birth and again I shared that I would not provide that information. She then became rude and ended the call. The next day I received another call, this time it was a man and he said they were attempting to collect a debt and I shared that I did not have any outstanding debts and asked that they not call me again. Neither caller identified where they were calling from nor what debt they were calling about. Shortly thereafter, I received a collection notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX and the document reflected the creditor as XXXX and the amount due was {$100.00}. I ignored the mailing because prior to XX/XX/2020 I never had an account with XXXX I switched from XXXX XXXX XXXX ( I had been an XXXX XXXX XXXX  customer for XXXX years ) to XXXX on XX/XX/2020, so I did not call AmSher because I knew they were attempting to collect money that I did not owe. Fast forward to Friday, XX/XX/XXXX, I received an email indicating that a new account had been added to my credit report, so I immediately signed in to check my credit report and saw that there was a collection from AmSher. On Monday, XX/XX/XXXX, I submitted a dispute to XXXX XXXX and XXXX and XXXX has already removed the collection from my account. These companies should not be allowed to harrass people via phone calls, mail and they should not be able to report false accounts to credit reporting companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to close this account back in XXXX, XXXX. Capital One failed to do this and indicated they would waive the Membership fee for the card. They proceeded to charge the fee and assess a late fee. I called again, they claimed to have fixed it. 
Again, the following month they charged another late fee ( 2nd time late fee ) I proceeded to explain, I have been attempting to close out this account as I don't want to pay yearly membership fees since I have NOT used this credit card since XXXX. I did not need this card or the yearly fee assessed. They proceeded to report me late for a 30 day late payment. I called again, they now proceeded to reverse the charges of the late fees, still did not close out the account but will not remove the late fee for the 30 days. I do not want this card, I don't want to deal with this yearly call. after several calls, they finally closed out this card today XXXX - almost five months later. I need them to reverse a late reporting, I did not want this card, have not used this card in 5 years. They said they can not do that and that all they can do is report a XXXX balance. Nevertheless, they have refunded my late fees, cause they understood I did not pay late. I need this corrected, it has adversely affected my score and my ability to refinance my home. My account is finally closed but my credit remains affected because of their lack of diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
To whom it may concern. 
I noticed a collection on my account and disputed it thinking nothing much of it. It was gone but now I am getting collection like every week on all three credit bureaus. I never had XX/XX/XXXXor XX/XX/XXXX. I am tired of this. They say I oweXX/XX/XXXXXXXX. With all collection total probably like XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I stayed at XXXX XXXX for an internship program in Florida. I left the apartment complex three years ago, around XXXX after being there for 6 months. I had roommates and they were the ones left there after I have vacated halfway early than our lease term of 12 months. That being said, I did not get any of my deposit back. A year after, they sent me a debt collection notice, an amount of which I do not remember anymore. I moved then from XXXX to XXXX XXXX and I was appalled as to how they have managed to involve me in this matter. Although I left earlier than everyone, I decided to get it over it. And I gave them a portion of the amount through Post Office 's Money Order and sent them a letter stating the rest to be filled by my former roommates, if there is any more problems to come, talk to them since I am not the only one in the lease agreement. I have not heard anything else after then. But recently, Debt Collectors under the name of Transworld Systems Inc. kept sending me attempts to collect payments from me for them once again, when I do not have any liabilities on this apartment. And the amount stated is {$730.00} I am not comfortable with this situation and I feel harassed and cash cowed already. They have sent me a couple of letters already and I do not feel safe since they managed to track me on my new apartment, on a new city and state over an issue that happened 3 years ago and does not involve me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mother took out a credit card with Capital One in my name. It was not until her death XXXX XX/XX/XXXX XXXX, that I found out about this credit card. At the time of her death, the detective did a search of the house ( was being considered a homicide ) and he found a pocketbook of credit cards in my name in her room ; Capital One being one of them. I first reported this as fraud to Capital One back in the beginning of XXXX as that was when I first became aware of all the credit cards in my name. 

I have sent endless documents showing I did not open this credit card and is thus, fraud. 

I have sent the crime report that the detective wrote for me, yet, Capital One is still not deeming it as fraud. Attached, is a copy of the police report. 

I have submitted my leases to show that I was living in XXXX, TN from XXXX as the card was taken out in XXXX, NC in XXXX ( where my mother lived ). Despite the evidence illustrating that I was living out of state and that my mother took out the credit card, Capital One still refuses to deem it as fraud. Attached, are copies of those leases. 

Not only could they not give me a reason for why they were not deeming it as fraud, all they told me to do was " contact credit federal bureau ''. Very ambiguous and ill-informed explanation. 

Attached, are other credit cards XXXX found in the same pocketbook that was taken out in my name by my mother ) that deemed it as fraud. Yet, Capital One refuses to do so. These credit card companies that deemed it as fraud include XXXX, XXXX, XXXX XXXX and XXXX. Capital One still refuses to deem it as fraud. 

Attached, are my Chase Billing Statements to show I was not using the Capital One Card. On the Capital One Billing Statements, I have written down the name of the XXXX Billing Statement that corresponds to the same date. This, further shows I was not using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I did not spell chase bank correct to you I spell it chass complaint number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had 17 credits on account for refunds owed to be by a merchant. these credits posted to my account between XX/XX/XXXX through XX/XX/XXXX. After the credits were adjusted, I have a credit balance of about {$29000.00}. when i requested my credit balance to be mailed back to me, i was advised all the credits were transferred over to my new account ending in XXXX. However, Citi is now telling me they can not access my account ending in XXXX and that they have no idea where my credit balance is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I called in to discover bank to dispute a ACH transaction with XXXX XXXX knowing that I dont business with them and discover was so quick with the investigation and denied my claim and closed within few days and didnt give me the chance to appeal or send any documents for these ACH transactions and wouldnt help me with getting started with the appeal and I lost over 800 dollars with this bank and Im so sad and there no customer service agent would help me and they had to change my account number over to XXXX from XXXX for nothing .... I would like to closed this checking account if they cant grant a appeal with XXXX XXXX ACH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS put cfpb and I in work They send letter that they are research in Its a big lai They never done anything Research what???????? 
This is just to kill time so on XX/XX/21 sell my home Today I found out SLS Attorney told SLS to not to respond to this account Thats why the phone rep was very sleepy dont know anything What ever we asked her her answer was I dont know let me research just killing times Thus persona is suppose to be helping me with my mortgages problem 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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: NC

Complaint narrative:
PLEASE DO NOT REFINANCE WITH THIS COMPANY!!!!. I made the biggest mistake of refinancing my home and it was a total nightmare. My Loan officer XXXX XXXX inform and assure me that I did not needed to make my XXXX XXXX payment because the loan was going to be funded before end of the month. I trusted him and by being a first time homebuyer I thought great I'm going to save some cash, well all of that turn into a nightmare, i signed the papers and everything on XX/XX/2020 with the notary and she also said the loan was going to fe funded before XXXX ended. Well that never happen, I started getting calls from my original mortgage company asking for payment and saying I was late, I immediately called My loan officer and I inform him I was getting phone calls from the original mortgage that they were demanding payment. His answer was not to worry that the payoff had been wire already it was just different department. They wire the payoff until XX/XX/XXXX and it was returned because it was short pay, I kept getting calls form original mortgage saying that they had not received payment and that I was already 30 days past due. I contacted Loan Officer XXXX XXXX and informed him, kept getting the same answer I demand it to speak with his boss he would not even give his information, he would put the Pandemic as an excuse that everyone was working remotely, his boss XXXX XXXX Contacted me and said that they were working on the payoff and he assure me that he would take care of things. Never happen, they try to do another payoff and it was rejected again because short pay, by this time my credit took a hit, I was showing 30 days past due on my mortgage account with no fault of my own, 5 of my other creditors close my credit cards and other lower my credit limits. Until I finally called the mortgage company asked for a payoff and I had to call escrow so they could send the correct payoff. Finally after so many calls, emails and frustration the loan was paid off. damage was already done, my credit got ruin thanks to false information and all I got was an " Im sorry this is terrible '' this guy XXXX XXXX never responded to my emails or calls only spoke with him one time and he was never able to fix the problem.

Company response to consumer: Closed with explanation