vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. 
also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date :XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date : XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX amount :XX/XX/XXXX& {$100.00} date :XX/XX/XXXX & XX/XX/XXXX6.Midland credit every account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: The Bureaus, Inc.
State: IL

Complaint narrative:
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -The Bureaus amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX  amount : {$220.00} date : XX/XX/XXXX 4XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX  amount :XX/XX/XXXX& {$100.00} date : XX/XX/XXXX & XX/XX/XXXX6.XXXX XXXX  every account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: AFNI INC.
State: IL

Complaint narrative:
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX  amount : {$1500.00} date :XX/XX/XXXX 2.AFNI Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date :XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date :XX/XX/XXXX 5.XXXX XXXX amount :XXXX  & {$100.00} date : XX/XX/XXXX& XX/XX/XXXX 6.XXXX XXXX  every account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime bank had dinied my claim if fraudulent charges by not refunding my account after my house was vandalized and police report was filed but they havent even get in touch with police to reconsider their denial this charges were made into my account with out my consent and all my savings were gone from My unemploymennt insurance 59  charges were disputed and they hasve failed to comply with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. The account is involved in litigation and should not appear on my report. 
XXXX Account Number : XXXX The following account is involved in a litigation and should not appear on my credit report. Please remove it at once.

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 2021-06-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally financial is reporting that i have a joint account outstanding with them. I have never did any business with Ally. They are currently being sued and there has been a settlement and they are still reporting this false information.

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 2021-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My fiance added me to her Capital One XXXX XXXX, I am already a Capital One customer with my own login for the app, now when I log in to my app I able able to access my multiple lines of credit in one app. That should be great, unfortunately it is not because every time I make a payment to the Capital One they place a fraud alert on the account then force me to go through a lengthy verification that includes calling XXXX XXXX XXXX to confirm I own the same exact checking account that I've already verified with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
After receiving a Covid-19 hardship forbearance, I was shocked to discover that Wells Fargo was going to require that I pay back the entire amount I owed while receiving the forbearance. If I couldnt pay this amount, they threatened foreclosure.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I signed up for a promotional credit card with a zero percent promotional interest rate for a fixed period of months with no interest on purchases and balance transfers. As I reviewed my statements Citibank has been illegally charging me interest on the zero-interest card.

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 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
on XXXX my credit union merged with Penfed ( up ) credit union. I noticed early on a disparity of services between my member flu and Pen Fed. 

During mid XXXX I noticed I was not sent a PenFed debit card and was told my existed debit card would expire a couple days after the merger in XX/XX/XXXX. 

I was assured numerous times during XXXX I would be receiving a pen fed debit card. 
It is XX/XX/XXXX and I still have not received their pen fed debit card STILL WAITING

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 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Last onto l, Navy Federal Credit Union seized funds out of my account in the amounts of XXXX from savings, and XXXX from checking. I had no idea I had the debt because in speaking with themselves day after day, I was told there was a cease and desist by an attorney XXXX XXXX. XXXX is my VA attorney. He has no other rights to do anything with my accounts. I was also informed that I called them and told them to cease. I never would have done that as I know there would have been no settlement letter sent. My attorney also changed my address to his about XX/XX/2016. I asked Navy Fed for the returned mail as he moved and thats when I found out about this cease and desist document that I never permitted. I want my money back because I never got any letters from them. I should have the right to a settlement that I can afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
Conduent is XXXX debit card for child support, and unemployment. They restricted thousands of cards last night at approximately XXXX, unable to check balance, use for any transaction, and withdraw our monies off the card. This has happened time and time again and they say its the OESC and the OESC says its Conduents fault. No one will take blame or accountability for the mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
On Wednesday, XX/XX/2021, I received a call from a debt collector identifying themselves as United Collection Bureau or " UCB. '' The person I spoke to verified if my birthdate was correct, and then he proceeded to explain he was collecting on an account where I owed " {$1800.00} '' which originated something called " XXXX XXXX '' or " XXXX XXXX. '' It definitely started with an " XXXX '' My total debt is split between my school loans, my current car loan, and seven unsecured creditors. I monitor my credit rating monthly, so I know exactly who owns what amount on each debt account. First red flag : Ive never heard of this debt collector before and they just started calling me this week. Second red flag : The debt they say theyre trying to collect originates from an account that doesn't sound like any of the banks Ive ever done business with. Third red flag : UCB has been repeatedly calling my mothers house phone number. All of the creditors I DO deal with have always called me on my personal mobile phone number. After I told this person I don't recognize the account they're talking about, I promptly ended the call. They repeatedly continued to call my mom 's number while I was at work on Thursday, and she finally convinced them to stop calling. There is the POSSIBILITY that one of my accounts was sold between companies and " XXXX  '' is some alternate name for one of my old creditors. But if the account changed hands recently, I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax I also sent them a letter on XXXX XXXX explaining to them that they are reporting inaccurate personal information on my credit report and received back by certified mail that they received my letter on XXXX XXXX. Here is my letter to them. to dispute the following information in my file. I have circled and highlighted the items I dispute on the attached copy of the report I received. These items disputed by Employer History : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. is inaccurate because the spelling of my current employment is inaccurate. The correct spelling should be XXXX XXXX XXXX  and remove XXXX XXXX XXXX. There is no identifiable information for this account XXXX XXXX XXXX XXXXOriginal Creditor : Available. Please delete How can closed accounts have a balance? Please delete these items listed below. XXXX XXXX XXXX  Act. # XXXX120 Days Late High Closed Balance {$10000.00} XXXX XXXX XXXX Act. # XXXX Closed Balance {$1100.00} XXXX XXXX XXXX Act. # XXXX Closed High Balance {$600.00} XXXXXXXX XXXX Act. # XXXX Closed Balance {$98.00} XXXX XXXX  XXXX  Act. # XXXXClosed Balance {$1100.00} _____________________________________________________________________ Inquires, these listed inquires below has no available information. Inquiry : XXXX XXXX IncDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXXContact : Not Available Inquiry : XXXX AutoDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXXContact : Not Available En closed are copies of my credit report supporting my position. Please reinvestigate this these matters and delete the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I have been on the income based repayment plan since 2010. I have re-certified on time when information was requested. Recently you are able to log into the student aid portal. There was an issue with the IRS site and it allowed me to complete the re-certification. On XX/XX/XXXX, I received an email stating that my request was incomplete so I sent my income tax return to them. This is not the first time that I have had trouble with AES removing me from my IBR and I want them to verify the start date of my plan, and if the terms are 20 or 20 years. How many years that I have remaining. 

They have sent my information to a collection agency, which I want this information removed, and any negative credit reporting corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {$1000.00} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {$1000.00} fine per violation. 
Items to be deleted immediately : XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXXXX/XX/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 2021-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
i notice a inaccurate item on my report from SMITH & ASSOCIATES on XX/XX/2021, about a alleged debt of {$140.00} that i dont owe nor have i had any dealing with SMITH & ASSOCIATES.I requested documentation for the alleged debt on XX/XX/2021 and has not heard from them thus far.attach is a copy of the information that i sent them, also they are sharing my personal information without my permission, which is a violation of the HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Before the COVID-19 epidemic affected us all I was current on my mortgage and in good standing, but as most Americans I was affected negatively by COVID-19 and my source of income was severely affected. I began to fall behind on my creditors utilities and mortgage due to my loss of employment as a result of the COVID-19 epidemic I applied for assistance with my mortgage servicer Select Portfolio Servicing whom offered my a reduced payment plan during my hardship with a promise with further assistance once the assistance plan was over.. Now that the program has ended I have accumulated a large past due amount as a result of the reduction in payment during the COVID-19 assistance plan. I made an effort to send a large amount of XXXX in order to bring the balance down and apply for further assistance now that I have a new source of income through the employment that I have recently attained once the stay at home orders where lifted,, but my mortgage servicer has not been cooperative with me in helping me resolve my mortgage issue after several attempts along with sending in a large portion of the past due amount. Now I am facing foreclosure and legal action threats from my mortgage servicer Select Portfolio Servicing and I am in dire need of assistance to allow my family to keep our home now that we are trying to rebuild after this COVID-19 disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation