vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
My bank sent me an email saying that my checking account had no funds. A lawyer named XXXX XXXX XXXX took all my money amount of my checking account. My bank said it was a legal order and gave me the lawyers info. I called her and she said she was a court appointed receiver hired by Midland funding and that there was a default judgement against my father for XXXX and that my social security number was entangled with his. I called my father he wasnt aware of any notice that he owed money. Neither me or my father was notified of any credit default. I checked my credit report and Ive never had any outstanding debt collections. My father also checked his credit report and there was nothing outstanding on any of the 3 credit bureaus. We requested a copy of the court report and they have not providing any info. I checked the case number that was provided to me by my bank and can find no court records. I feel strongly that my consumer rights have been violated as I have not received any court documents from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: ID Analytics, Inc.
State: CT

Complaint narrative:
Sage stream and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I just started looking at my credit and I see a couple of default acconts that I did not open

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I just started looking at my credit and I see a couple of default acconts that I did not open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I just started looking at my credit and I see a couple of default acconts that I did not open

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.

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 2020-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I was contacted by Allied Account Services Inc, XXXX XXXX XXXX, XXXX, NY XXXX, phone # XXXX XXXX. I XXXX XXXX in R.I. that rents units to various tenants. These tenants set up individual accounts for utilities with XXXX XXXX ( R.I. ). A tenant did not pay their bills. I called XXXX XXXX, as far as they were concerned, I was not liable, but this collection agency just wanted anyone associated to try to collect. They have reported me as in debt and are trying to ruin my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I paid off my account for {$170.00}. By the end of the same month, I was billed for {$180.00} twice. I called after a week to dispute the charge and was told that I will receive a check through the mail after 2 weeks. Its been 2 months and I still havent received anything. I called several times and was told that accounting department is already closed. My issue has not been solved and the agents that I spoke has not done anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: LEXISNEXIS
State: CT

Complaint narrative:
XXXX XXXX and lexis nexis hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX on my credit report and record

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
XXXX XXXX sold our loan to Fay Servicing. XXXX XXXX did a loan notification before loan was sold. Fay Servicing states that they dont have loan modification papers from XXXX XXXX and XXXX XXXX states they have sent it to them. We have been paying the modification payment since they took loan over but the statements coming in shows we havent been making payments when they draft the monthly payments from my XXXX  XXXX XXXX checking every month. Then they state they since the modification is now over in which they had no record of the payments will go up XX/XX/XXXX, but said the we are in pre foreclosure at the moment. They also sent XXXX a new modification in the mail for us to sign which makes the loan stretch out to XXXX when we only owe XXXX on the home and will be paid off in 5 years. We have to fight them to accept our payment every month. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never received notice of this debt, I pay all my cards on time and never had an issue until one day I look at my credit and see this and I have not to be informed by phone or through email or regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I bought a custom t shirt from a business. On XX/XX/XXXX I also bought a XXXX wreath from this business. I reached out to the business in XXXX and they told me they were not able to start on the wreath. I told than it was fine if I received it a few days after. On XX/XX/XXXX I still had not received the wreath. I tried contacting the business for a refund. They ignored my messages via XXXX. So I decided to file a claim with wells Fargo. In XX/XX/XXXX I called Wells Fargo to see the status of my claim. I told them that the business ( XXXX XXXX XXXX ) had been harrasing me via email. They told me to block the business from contacting me and they were going to close this dispute and issue me a credit. I got a call on XX/XX/XXXX from Wells Fargo saying that they actually denied my claim. I never received these items and in total I paid {$200.00}. The claim I failed was only for {$100.00}. So not even the full amount I paid because I paid half of the wreath with my other bank account. Which I am now disputing with XXXX. I reported the XXXX XXXX XXXX business to the XXXX. I just want Wells Fargo to issue my refund

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
From XX/XX/2020 we have been trying to work with Transunion and XXXX on trying to resolve my credit score because we are trying to refinance our home and we needed to pay off a credit card and so we did. XXXX sent a letter saying that the balance was paid off but Transunion is saying that they have not received it after 3 times. XXXX and XXXX at Transunion are both very rude and was not helpful at all. They was saying that they cant help us and that there is nothing they can do. I need this to be resolved as soon as possible.

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 2020-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
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: CITIBANK, N.A.
State: CA

Complaint narrative:
macys would not change my payment date or work with me at all in any kind of way while I was homeless now that my account is current and paid in full they will not remove the derogatory remarks from my credit report when I called XX/XX/2020 they stated that it isnt possible because they made no error and they can not remove remarks due to personal issues there are 2 negative remarks on my credit report that affect my XXXX  and I from getting a mortgage or any type of home or housing

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 2020-02-26 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX an XXXX  unauthorized purchase was made for {$1500.00} on my Sams club master credit card. On XX/XX/XXXX unauthorized purchases were made to XXXX for {$3700.00}, XXXX for {$1500.00}, XXXX for XXXX, XXXX {$2000.00}, XXXX for {$1100.00}, XXXX for XXXX, and XXXX for XXXX also, on my Sams club master club card. On XX/XX/XXXX, I noticed the unauthorized activity and call Sams club credit to inform them of the unauthorized charges. They reassured me that if I didnt make the charges that I would not be financially responsible for those charges. They said that it would be handled by their fraud investigation. I received a Fraud Investigation Form that was dated XX/XX/XXXX. I filled it out, explaining that I did not make those charges, how my credit card was in possession, how my account was hacked, my address was change, my email address was changed, along with my phone number. Also, my alerts were changed and my credit limit was increased and none of these change of events set off suspicious activity alerts to the Sams club credit. I sent the form back and I was notified that they felt that I authorized, participated in, or benefited from the purchases. I called them to see how this could be possible how could they make that wrong determination and they said that the chip was used. I have since discovered that the XXXX purchases were made in Florida. There is no way I made those purchases, I was in XXXX XXXX, Puerto Rico when those purchases were made, and my Sams club credit card was in possession and is still in my possession.

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 2020-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My FTC identity theft report # XXXX. I gained knowledge of my sole XXXX XXXX policy of XX/XX/XXXX OF XXXX VA ONLY ORIGINAL ADDRESS ..being split by unauthorized transactionS at some time without my knowledge and I only obtained thus info in only XX/XX/XXXX. XXXX XXXX refuses to give me copies of those policies created From my sole policy from XX/XX/XXXX and a vehicle history list to justify unauthorized over 100 k claims and payouts after reporting fraud activity in person to XXXX  XXXX XXXX manager XXXX with a injured leg in XX/XX/XXXX. The two checks attached I request bank of America corporation XXXX XXXX XXXX XXXX XXXX nc and BOA XXXX county XXXX georgia and as stated bank of America no address just states XXXX Va no identifying boa location in VA. and ask boas three locations in XXXX county nc to identify the owner and all emails used and all ipaddresses used and addresses and my name spelling used and phone numbers used to create these BANK OF AMERICA CUSTOMER CONNECTION ACCOUNTS thru XXXX XXXX XXXX or a XXXX XXXX location. I am requesting the signature cards of the owner that created and used these customer connection accounts both bank of America BAL BANK OF AMERICA XXXX VA ..NO identifying ADDRESS OF ANY KIND REPORTED ON THE 1 OFFICIALLY issued XXXX XXXX ... ON THESE CHECKS thru bank of America customer connection accounts XXXX VA. MARKINGS FROM CAR AND DUR ... .Explain this to me bank of America. Again there are bank of America type of money transactions ACCOUNTS AND USER ONLINE capabilities of my solely owned monies WITHOUT MY KNOWLEDGE OR PERMISSION. 
ATTENTION BOA ONLY SEND YOUR official response thru the cfpb so I get it and can read it. As I reported to the federal law enforcement of the USPS and to boa and others ..that I never received bank of America 's responses of approx 8 as stated was sent to the CFPB directly to the consumer by bank of America XXXX XXXX XXXX nc until the group of copies of letters I received only XX/XX/XXXX. The unaccounted for letters from BOA had proof and evidence I have been claiming since XX/XX/XXXXto XXXX at XXXX XXXX XXXX XXXX  XXXX va in person every year and more until XX/XX/XXXXto XXXX XXXX  at 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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I am writing to request the CFPB agency 's hepl. I don't know what else to do. I tried to solve this issue with Ford Motor Credit in the  past but they have failed to give me a fair solution. This company is reporting an account that is related to fraud. 

I tried to solve this issue with them back on XX/XX/XXXX but they did not do anything about it. The account that is related to fraud and that I am demanding to be removed from my credit report is the following : FORD MOTOR CREDIT COMPANY, account # XXXX. Date Opened XX/XX/XXXX. Original Balance {$16000.00}. Balance {$0.00}. Closed. 

I want a fair solution to this issue. I know my rights and they should not be reporting a related to fraud account to the credit bureaus. I am demanding a DELETION LETTER and a notice sent to the trhee major credit bureaus so that account gets removed from my reports. I am having health issues because if this, high levels of stress and other affections. 

If Ford motor credit fails to remove this fraudulent item, I will not hessitate filing suit, since they have committed multiple violations. It's been more than 60 days and they have failed to investigate the account or mark the account as disputed after they received my dispute notice on XXXX  of XXXX. Also, they have faild to send me a debt validation that I requested. This is another violations under the FCRA. 

I hope to have a positive answer and I know that once I speak to my attorneys, the list of violations will go up. 

See attached : letter sent to the company on XXXX of XXXX, proof of fax and FTC report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: MD

Complaint narrative:
I did donate {$300.00} to an organization and by mistake they charged {$3000.00}, when they try to return the money back to their merchant XXXX, for the amount of {$2700.00} I never received it and I proceed to place a dispute, after a month my money has not been returned to my account. Than The organization decided to return the total amount of {$3000.00} and he stated that XXXX closed his account, so now looks like the merchant XXXX keeps the money as per Citibank from where my card is issue. I have been calling CITIBANK several times and they keep telling me they don't have the return yet, and asking me to send proof, which i did send. it looks to me that CITIBANK is not willing to help me, After 3 months I dont have a resolution of this matter from any of the merchants involved. please help me to resolve this problem, my charges in the credit card keeps showing i own this money, 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 2020-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, CA, has been charging me outrageous 152 % interest rate for the last 2 years on the amount of {$1600.00} loan. They have debited my bank account over {$3600.00} for the loan amount of {$1600.00}. The balance is still {$1100.00} which means they have charged me {$3100.00} interest on {$500.00}!!!! The mode of financial fraud is that they never sent me any monthly or yearly statement, so I never knew what was happening to me. How many other people have been ripped off by XXXX XXXX XXXX no one knows. Once I called today the XXXX XXXX told me about that. The loan applied at auto repair store XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. 
The XXXX XXXX XXXX, Tel XXXX, kept on secretly and silently charging my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove 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 non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
early warning tried to open account and I'm reported on there printed out form never heard back. called as well. you can not dispute online what a waste of time filling out and the company never responds sent 2 times. 
this company is a scam they have awful reviews. 
next step XXXX  and attorney general and post on social media.

Company response to consumer: Closed with explanation