vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ive tried to settle with Capital One but the attorneys office is saying Capital one will only settle for 75 % the debt is almost XXXX I offered XXXX because Im not longer working but they said they could only accept that as an installment plan. The account was closed back in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AZ

Complaint narrative:
On XX/XX/2021, I put in a verbal request of an agent at Experian, after a week of waiting they advised me that would not remove it, even though XXXX  removed it in one hour a few days before, it has been two weeks and I am still waiting for XXXX  to respond. It pushed my XXXX  score up 50 points, I need the same to happen on both, so that my wife and I can qualify for a mortgage or at least a new rental. It is so time consuming and my landlord needs us out of this house asap, so she can sell this house.

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 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I booked a family vacation with XXXX  online travel agency. Two reservations were booked for a party of XXXX. The first group consisted of XXXX people and the second group consisted of XXXX people. I opted to use their Pay Delay payment plan option and made the initial deposits on XX/XX/XXXX in the amount of {$590.00} for group 1 and {$190.00} for group 2. The final automatic debit payment was completed on XX/XX/XXXX. My family and I were scheduled to travel on XX/XX/XXXX, to XXXX XXXX, XXXX returning to XXXX, New York on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the travel agency to find out what next steps to take ; I spoke to a representative who informed me to contact the airline and resort. The phone lines were inundated with travelers calling about their canceled trips. I finally got in contact with the resort in XXXX XXXX, XXXX, and was informed our reservation was not paid by XXXX. When I attempted to contact XXXX for a refund they were no longer in service and they posted a notice on their website. XXXX abruptly closed and disconnected their phone lines making communication impossible. 

I did not know how to proceed until I discovered a XXXX group with other members that scammed like myself. I filed a police report with the XXXX XXXX Police Department ( XX/XX/XXXX ), complaints with XXXX  compliant form ( XX/XX/XXXX ), Florida Attorney General ( XX/XX/XXXX ), and NY Attorney General ( XX/XX/XXXX ). I also contacted Chase Bank on XX/XX/XXXX to report services not rendered. I was issued a temporary refund of the total amount of {$6700.00} while they conduct an investigation. Today, XX/XX/XXXX the temporary refund was reversed. I contacted the bank to inquire about the decision made and they informed me that the 120 days timeframe to dispute a debit card claim expired. I am extremely devasted by the entire situation and by my banking institution. The actions taken by XXXX  is unjust and has hurt many families financially. I ask for your assistance in this matter. 

Attachments : Copies of the initial deposits for the Pay Delay payment plan, proof of successfully completing payments, and the notice of temporary refund from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
i called the collection company they did not have my name correct or the address or the phone number. i told them the account is not more. they are reporting the account was open XX/XX/XXXX then when i called they said the account was back in XXXX. 
XX/XX/XXXX XXXX the compant name is i.c system they want me to pay they collection agency.

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 2021-02-05 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SANTANDER CONSUMER USA Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
The company Portfolio Recovery has damaged my credit with a out dated, charged off account. This debt was charged off by the original creditor. Portfolio Recovery has repeatedly called and harassed me over the phone and mail. I have disputed the accuracy of the amount and is pass the status of limitations for South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACQ Holdings, LLC.
State: WI

Complaint narrative:
Daily I receive emails, phone calls, including at work, and text messages claiming attempts to reach me have failed and threatening to take next steps. I have documented proof that I have emailed and written to them on numerous occasions indicating that I want to resolve the debt but need payment plan options and to contact me by email. The only response I get is a continuation of emails and phone calls and texts indicating their numerous attempts to contact me have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXXXXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjusters. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received however the account was removed from my credit report, however after I reviewed my report again on XX/XX/XXXX the account has reappeared with no dispute notes nor any validation received for the debt. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The account was ordered out of my name and not my responsibility and they refuse to remove and is damaging my credit and making me unable to make purchases. It is not my account it is fraud and court ordered.

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 2021-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
My mortgage account was sold from XXXXXXXX XXXX  to Carrington Mortgage Services , LLC ( XXXX. XXXX XXXX ) XXXX, TX XXXX. 

Since my loan has been sold to Carrington Mortgage, I have experienced several incidents that have happened where the Company can not explain the misappropriation of funds that are being sent. After speaking with several representatives at the company, there is no one that can precisely explain why my monthly mortgage is not being applied and processed. 

1. I have several concerns with my monthly Mortgage money that has not been applied to my account. 

2. My monthly mortgage payment amount is being changed without any notification or justification.

3. The monthly amount that is being paid is not applied to the applicable areas appropriately ( Escrow, Principal, and Homeowners Insurance ). It appears on my statement that is broken down into separate payments and not applied entirely. 

4. Incorrect escrowing has caused a shortage of my property taxes.

5. Payments not being processed accurately or in a timely manner.

6. Customer service provides fraudulent information about my account, that contradicts my personal banking statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXXXXXX XXXX account number ( XXXX ) and XXXXXXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
I received a AUTOMATED robo call from company that claimed to be '' COMSUMER PORTFOLIO SERVICES ''. I HAVE NO DEBT! THIS IS SCAM COMPANY. AND IS JUST ONE OF SEVERAL SPAM AND SCAM CALLS THAT I RECEIVE. THIS FAKE DEBT COLLECTOR PHONE # is XXXX. THIS OCCURED TWICE ON XX/XX/2021 at XXXX ; XXXX XXXX. I HUNG UP KNOWING THAT I HAVE NO DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
SOMETIME IN XXXX  OF XXXX AND XXXX OF XXXX THERE WAS TWO ACCOUNTS OPENED IN MYNAME WITHOUT MY CONSENT. I HAVE TRIED WORKING WITH THIS COMPANY DIRECTLY WITH NO RESPONSE. THE AMOUNTS ARE {$2200.00} AND {$400.00} DOLLARS. PLEASE ADDRESS THIS ISSUE AS SOON AS POSSIBLE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed an account that i found to fraudulent on my credit reports. The end result was the account was deleted/ removed from my XXXX report. I contacted the other ( 2 ) CRA, Equifax and XXXX and they have not removed the negative information. It is my understanding that the creditor reports the same information to all Credit Bureaus as expected under the FCRA, and i requested via phone and certified mail that this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The account was ordered out of my name and not my responsibility and they refuse to remove and is damaging my credit and making me unable to make purchases. It is not my account it is fraud and court ordered.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I made several attempts to remove XXXXXXXX XXXX off my Equifax credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and Equifax failed to respond and remove said reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Best Buy Visa Card was in XXXX balance. Today I received an account statement by mail. Statement up to date XXXX charged a total of {$4.00} for the following transactions : Date Transaction Charge - XXXX ... XXXX XXXX XXXX  XXXX ... .... {$2.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} I call Best Buy XXXX and report that I notice the above fee charged by them to my account for a transaction that I did not made or authorized. 
They give me the option to close the account. I agree to close the account. 
They told me they will make an investigation. I told them that I was worried of the card being used by other person or the possibility of identity theft. During the phone call some personal questions where made by them like my actives phone numbers, my address and to give a password for contact me for the future for the investigation. I told them to contact me by letter.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not consent to authorize nor benefit of of the student account and inquires in my consumer report. As a FEDERALLY PROTECTED consumer, a Natural person and a private individual, I demanded them to remove them from my consumer credit report IMMEDIATELY because their reporting is a violation of my rights pursuant to Title 15 Chapter 41. Pursuant to 1681a, I have the RIGHT to DEMAND that such information NOT be communicated/reported.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: OH

Complaint narrative:
I made several attempts to remove SCA collections off my XXXX  credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and XXXX failed to respond and remove said 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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not consent to authorize nor benefit of of the student account. As a FEDERALLY PROTECTED consumer, a Natural person and a private individual, I demanded them to remove them from my consumer credit report IMMEDIATELY because their reporting is a violation of my rights pursuant to Title 15 Chapter 41. Pursuant to 1681a, I have the RIGHT to DEMAND that such information NOT be communicated/reported.

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 2021-02-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and SYNCB/TJX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/TJX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In working with Citi cards. They reduced my line of credit down from XXXX to XXXX to the amount that i owed on the account on XXXX of 2020. Then they reported on my credit report that i had maxed out my line of credit. I get it covid and the need to protect their interest. But over the course of the next 11 months i paid on time and tried to pay more than the minimum. On XXXX I paid XXXX down on what i owed on the account and on XXXX they reduced my line of credit down again to the amount that i owed of XXXX. 

Their response was that my reduction was due to my credit score. Well my score stayed flat and even their fico score show only 1 point of movement. Well i ask these questions of citi card 1- If i make another large payment will my line of credit be reduced again ( their response was that they were not sure ) 2- I asked what step i needed to do to help increase my credit score with their company ( their responded was that they do not have any steps or process to improve the score. ) 3 - I asked if i had any late payments or covid paused on the account and they said i has a clean payment record for the past 5 year but they are not sure how this impacts my score.

4 i asked if there was another covid stimulus payment and i applied it to my account what would happen -- they responded that they would love the payment and were not sure if my line of credit would remain the same. 

Long and short citi cards at XXXX are destroying my credit and making it difficult to recover my credit score.

The reason for the large payment was to reduce the amount that i owed and get the maxed out line of credit off of my credit file. I certainly did my part my saving and making my payment on time so this line of acting is damaging to anyone who is trying to recover.

The fact that i am concerned with is that there is a lot of other people that once they are credit line maxed out their credit interest rate also will go up. I have seen other card that i have go up a point or 2 just because of this type of action.

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 2021-02-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/21 I got alerts from all 3 XXXX, Experian, XXXX I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. 
This is LAST thing I need. 
This FALSE information as I am CURRENT and have not been late. 
No explanation other than an internal error. 
Insisted I get in writing they reported FALSE info.

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