vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
I dont know who Franklin Collection services is, and I have had this trade removed SEVERAL times from my CRAs because I do not owe XXXX XXXX XXXX. They continuously leave messages threatening to go to my job and home and take me to jail. I DO NOT KNOW THIS COMPANY NOR OWE any money. 

Franklin Collection Services opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Franklin Collection Services has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Franklin Collection Services. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX **** XXXX XXXX XXXX {$2100.00} **** This is a FCRA law violation. I was never late. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My last few complaints were marked as duplicate. The company failed to answer, they then requested more time and now its been marked as a duplicate complaint. I have yet to get answers as to why Resurgent Capital/LVNV Continued to try and collect on a debt from XXXX and XXXX that was not my debt as I was the victim of identity theft. The XXXX card that they have continued to try and collect on up until this past XX/XX/XXXX was also the very same card that they got a default judgment on in XXXX. This has since been pulled out of the courts in my favor due to identity theft. The amount Resurgent is trying to collect on the very same card is a higher amount. How does one collect on a card that was never mine and then the courts removed it yet you ruined my credit over this card and a XXXX card. And why would you still be trying to collect on these cards when you know very well that these were part of my identity theft? Also the state of California has a statute that you should read up on. Had Resurgent /LVNV done the correct thing my credit would not be a mess today but they refused to report this as an identity theft and continued to try and collect on cards that were not mine and were 20 years old. I would like some answers. I also want to know why it took Resurgent up until this past XXXX XXXX XXXX ) for them to realize a credit card from XXXX and XXXX were fraudulent cards?? I believe that I had been telling them this. Or why were they trying to collect on a card that was kicked out of the court when a default judgment was granted and then removed?? and why is the amount different and much higher than what the courts had down. I mean come on that is quite a few years they have been trying to collect money from me ... on cards that are not mine.They also reported me incorrectly for many, many years which had a profound effect on my credit they ruined it.. I would like them to go back in and fix the mess they created with all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have saving, checking, equity line of credit ( LOC ), and mortgage accounts with Bank of America. 

On XX/XX/2020, I want to pay off the balance on my LOC account and transferred {$140000.00} ( the balance at the time - see the 1st attached file ) from my saving account to my LOC account. Both accounts are in BoA. After the fund transfer is done, I can see the amount of fund was taken out from my saving account, but not fund was transferred into my LOC account. I though it was on-line banking delay. After two days, the fund was still not showed up in my LOC account. I called BoA customer service and I was told it would take 5-7 business day to process it. 

However, the LOC balance remained the same after two week passed. I tried to get help from BoA customer service, I was on-line for hours and transferred from one department to another, equity line of credit dept, on line service dept, customer protection dept, etc. Unfortunately, none of them could provide me a real help. Then, I have to visit my local branch and asked for help from the branch managers XXXX and XXXX. They have to call the back end office to help. Of course, we spent hours there to wait the service lines in the branch. 

First, XXXX helped us to create a case to locate the missing fund. After another two weeks, the fund was located and added into my LOC. However, the fund was not applied to my account ( dated on XX/XX/2020 see the 2nd attached file ) and the balance remains the same. I am not sure why the fund was located and not applied to my LOC account. 

I have to visit the branch again and create another case to request applying the fund to my LOC account. It is XX/XX/2020 today and the transferred fund is still not applied to my LOC account. I have to visit the local branch every week to find out the progress on handling my case because I did not receive any email or phone call to inform me the progress. 

So far, I have visited the local branch 4 times and called the customer service 3 times on this problem. I spent so may hours and efforts for such unexpected transfer results. 
Now, there are total 6 weeks passed and the fund transfer problem is still not resolved. For the meantime, my checking account was still charged with the interest plus principle.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-13 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was looking over my Chase/amazon  credit card XXXX statement. When I closely got to looking at it. I noticed I was being charged for amazon XXXX, amazon XXXX, and was getting double billed. Amazon XXXX was billed on XX/XX/XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX I was charged XXXXfor Amazon XXXX. Then on XX/XX/XXXX I was charged XXXX for Amazon XXXX, and then again on XX/XX/XXXX for XXXX. I only agreed to pay for the one amazon XXXX. Which I was told included the music free shipping, and video. As I was talking to them. I decided to look at another old bill. When I got to looking at that one, I noticed back on XX/XX/XXXX and on XX/XX/XXXX I was charged XXXX for amazon XXXX, On XX/XX/XXXX I was charged XXXX, and on XX/XX/XXXX I was charged XXXX for amazon XXXX. Now before I mention the old bill the lady said they will reimburse me the 2 months of music. When I mention the charges that go back to XXXX. I was told that they would pay me for the double billing, but not for the music. After question that they ended up paying back the XXXX  and 2 payments of the music. The total amount XXXX. Then when I went to ask any question. The lady couldn't answer any of my question. Then I called Chase. I explained to the gentlemen what was going on. He went to look it up. Then told me then I have been charged for the music since XX/XX/XXXX and the video since XXXX of XXXX. Never did tell me about the double billing on the XXXX. Then he told me that since there was so many transactions he had to send me to another department. Where I spoke to a lady. She explained to me that she could only go back to XXXX of XXXX. So now I am out of that money that they took out for a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I have been trying to apply for a refinancing of my mortgage with XXXX XXXX since XX/XX/XXXX. What is standing in the way of my receiving this refinance is my HELOC bank, which is XXXX XXXX. They have been giving me the run around for months. XXXX XXXX requested a copy of my subordination agreement with them. They said that they originally sent it on XX/XX/XXXX. XXXX XXXX has no record of receiving it. They keep changing their story, and stated that they needed my credit report in order to process the request. I submitted my credit report to XXXX on XX/XX/XXXX. Still no answer. I have reached out to a Manager at XXXX, XXXX XXXX, 3 weeks ago, still no answer. 
XXXX XXXX is about to cancel my refinance, due to my application missing this document. I keep reaching out to XXXX with no answers, and so has XXXX XXXX, with no results either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/2020 American Honda Financial add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the Fair Credit Reporting Act American Honda Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: MN

Complaint narrative:
Sage Stream continues to violate the Fair Credit Reporting Act ( FCRA ) by listing and reporting inaccurate information and inquiries on my consumer report. I should have a clear consumer report. No adverse or negative information or inquiries, should be listed on my Sage Stream Consumer Report. I should have a clean and positive consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: AZ

Complaint narrative:
VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then VAnce and Huffman has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I think I have a collection, but I can not find it. I dont know why I have it. I need help please.

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 2020-11-13 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: LA

Complaint narrative:
XXXX XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has locked us out of account now for over 4 weeks. 

USAA can email us statements, promos, other info but mysteriously the allusive security code emails do not come. 

USAAs own IT personnel can not find a solution even provided a verbal password which they verified was entered correctly but alas the account stays locked. 

Account ending in XXXX Member ID XXXX Pin XXXX Last 4 of SSN XXXX XXXX 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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I closed my credit card account with Bank of America. I was told over the phone when closing my account that there would be no residual interest that I would need to pay. I made sure of this by asking the person on the phone multiple times before closing my account because I did not want to pay the residual interest. 

Three months later, in mid-XXXX, I got the first email from Bank of America saying I needed to pay residual interest. I thought this was spam or a possible fraud so I did not respond. Later that month, I saw a 96 point drop in my credit ore for that month.

I called Bank of America to get all of this sorted out and they continued to say it was my fault and that I needed to pay them. I paid them while submitting a complaint and filing an appeal. I also sent an appeal to XXXX  on my credit score.

I have not heard back from Bank of America and it still shows on my account as one missing payment.

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: MI

Complaint narrative:
I had been a customer of Earn-up ( formerly XXXX XXXX ) since XX/XX/XXXX and up until never had any issues with " skipping a check '' during the months where I would have 3 check or withdrawals until XX/XX/XXXX. Earn-up had just taken over the activities from XXXX XXXX. So this made me wonder and I immediately requested a transaction history of payments and withdrawals. After several calls and emails, on XX/XX/XXXX, I received a transaction history of payments and withdrawals from XX/XX/XXXX to XX/XX/XXXX. I reconciled the payment and withdrawals and found discrepancies. On XX/XX/XXXX I sent a request to Earn-up to review the reconciliation, investigate, and issue a refund. I provided them with details of the reconciliation : ( 1 ) {$1200.00} more withdrawals versus payment to the mortgage companies ; ( 2 ) Questionable " One Time Deduction '' of {$11.00} ( included above ) ( 3 ) {$290.00} of Questionable ACH Fees Earn-up contacted me and promised a response. They did satisfactorily explain the {$11.00} withdrawal early on but that was all! but even on XX/XX/XXXX, I had to follow-up in writing. I went through my analysis several times with " XXXX in the Escalation Team '', have made several phone calls and followup emails, only to be told that they were working on, and I would have a resolution soon. I informed them that I would be escalating the issue legally. The " last straw '' was when I called on XX/XX/XXXX and was told that my case had been resolved and to expect either a refund or an explanation on or before Monday, XX/XX/XXXX. I received a refund in my bank account on Friday, XXXX XXXX, XXXX for {$240.00}. I rejected this amount and have asked Earn-up to explain how they arrived at this amount, but they have not. 

Earn-up told me I took part in a settlement from Consumer Financial Protection Board ( CFPB ) settlement in which I was refunded fees in the amount of {$480.00} on XX/XX/XXXX, and the settlement conditions. I have asked of proof of this. 

My complaint is that based on a more detailed breakdown analysis, I contend that EARNUP still owes me {$880.00} : A. At the time of the settlement the amount due from Pay Map was {$390.00}, which means they refunded me {$92.00} more than what they should have for this period. As you have stated this settled all amounts due at that time. 
B. From XXXX there was {$1100.00} more withdrawals than payments. Only {$240.00} was refunded which they still have provided any details or support of how they arrived at this amount, just that it was a balance in the account. The total difference is {$880.00} due for this period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASG Solutions LLC
State: NV

Complaint narrative:
This person Mr. XXXX XXXX keeps call from an annoymous number ) leaves a voicemail with a call back number of XXXX. I told him they need to mail me proof of what is talking about. I have asked for his company information, business license etc. which he refuses to give. Have asked him 4 times to not call me at work. Which he continues to do. Call XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Told him today again to stop calling, I have not received anything via email. I said to stop calling me at work, he said I can't do that. Threatening that his next step is to file in my county. Again, I have never done business with this person. Very rude and again keeps calling me at my place of employment.

Company response to consumer: Closed with explanation