vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I received notice from my credit card company ( XXXX  XXXX  ) that a {$2500.00} charge had been made against my account. I immediately called Capital One and reported the unauthorized charge. They informed me that the charge was made by a XXXX XXXX XXXX. They also told me it was for Professional Services. They then said their fraud division would investigate and at that time they removed the charge from my account. On XX/XX/XXXX the charge reappeared on my account.. I called Capital One and was told that the fraud department did not see any fraudlent activity, and that I needed to call XXXX. 
I have been trying to contact XXXX but have not been able to talk to anyone about this issue. I just get a total run around. I did not authorize this charge and had never heard of this XXXX before the charge appeared on my credit card statement. 
It is my hope that you can either help me with this issue or advise me where to seek help. I am a XXXX-XXXX  year old retiree on a very limited income, without the means to pay this unjustified charge. I have worked hard to keep my good credit rating and this will absolutly destroy my credit if I can not get is resolved. 
I am XXXX  XXXX, so any contact with me should be via email or the U.S. Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: FL

Complaint narrative:
I did not give anyone Authorization to open any of these account using My personal Information. i neve had any Business with these Companies this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arco Collection Services LLC
State: TN

Complaint narrative:
On or about XX/XX/20, I received a demand letter dated XX/XX/20 from ARCO regarding an alleged debt owed to XXXX XXXX XXXX. ( I am still trying to find this initial letter in my records ) I responded to the XX/XX/20 demand letter by placing a letter in the mail on XX/XX/20 ( attached ) disputing this alleged debt and requesting validation under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). This letter requests " that you cease all collection activity while you collect the aforementioned information ''. I did not receive any validation response to my letter dated XX/XX/20. 

However, months later, I received a " past due '' letter dated XX/XX/20 ( attached ) in violation of 15 USC 1692g Sec. 809 ( b ). See below. 

" ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
On XX/XX/20 Loancare processed a duplicate mortgage payment in my XXXX brokerage account. The charge was for {$1400.00} which is my correct monthly mortgage payment. 
Details of the transaction are as follows " XX/XX/20 DIRECT DEBIT LOANCARE SERV MTG PYMT {$1400.00} '' Tracer # is : XXXX. 
I had already made my mortgage payment of {$1400.00} through another bank on XX/XX/20. 
Loancare has been contacted over 5 times by phone and 9 times by e-mail/message on this issue and they refuse to acknowledge the payment or respond in any way. 
I would like loancare to return the payment plus interest or credit the payment to my account as of XX/XX/20. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Medical Data Systems, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 Med Data Sys added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, 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 its mines. According to the FCRA, Med Data Sys has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-01-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL XXXX XXXX writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased a vehicle with XXXX XXXX XXXX XXXX around XX/XX/2020. The financial dept added gap and extended warranty to the loan. The purchase price of the vehicle was {$10.00}, XXXX. After extended warranty and gap was added to the loan the full amount came out to {$13000.00}. About a month later I received a letter, from XXXX the gap and extended warranty company, stating my policy was canceled and a refund check of {$490.00} was refunded. I called ally and they said someone at XXXX XXXX had XXXX requested that it be canceled. I asked where that refund check was sent because the loan company nor I ever received that refund. I told him Im technically still paying for the gap and extended warranty as it is included in my loan. They said it was sent to someone named XXXX at XXXX and according to XXXX notes XXXX had said she gave me that money!!!! Which is NOT true!!! I called echopark several times. I had to leave messages on voice mailboxs and when I finally spoke to a manger he promised to look into it and he would call back the same day. 2 weeks later he still had not called back. I received a text from someone at XXXX in XXXX saying they will try to put the extended warranty and gap back on. I have not heard back from anyone and when I do contact someone they say the person I need to speak to is out of the office!! This is NOT ethical and it is against the law to cancel car owners gap and extended warranty and keep that refund when people are paying on it still in their car loan!! Please look into this. Also, they requested that I put {$2500.00} down to purchase the vehicle. That money is no where to be found. It was never included or deducted from my loan. Its just missing?!!! Please help me. Im a single mom who was purchasing a vehicle for my Daughter who went off to college. They probably saw me as an easy target. Im sure they have done this to other consumers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Reference Citibank Case # XXXX .... ( Assigned by a Mrs XXXX..Citibank ACH Dept XXXX XXXX ) In XXXX XXXX my Citibank Debit Card : XXXX was debited {$2000.00} for a cruise with Norwegian Cruises. This cruise was cancelled, and the XXXX XXXX XXXX XXXX Ms XXXX ) XXXX..said all monies for the trip were credited back to the debit card/checking accounts of origin on or shortly after XX/XX/XXXX. Again, the Citibank debit/checking account used was XXXX XXXX XXXX. Unfortunately, by the time the {$2000.00} credit was sent back to Citibank on XX/XX/XXXX, my checking/debit Card account was closed XXXX effective XX/XX/XXXX ). But, as a reminder, the account was in good status when the charge was originally made on XX/XX/XXXX. 
It is now XX/XX/XXXX, and I have been waiting for this payment since XX/XX/XXXX, the date XXXX XXXX has verified that the {$2000.00} was sent back to Citibank. Citibank gives me a different answer to my inquiry each time I call. I am told to call back in week. Recently as of XXXX, I was told to call back in 24-48 hours. Enough is enough. I need my money returned now, and a check issued to me 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 monetary relief
Consumer complaint received 2021-01-11 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: AZ

Complaint narrative:
This is not my account / can be fraudulent activity, ( not mine ) never had or know what is First federal credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.

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 2021-01-11 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: FL

Complaint narrative:
I did not give anyone Authorization to open any of these account using My personal Information. i neve had any Business with these Companies this is fraud

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 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: NV

Complaint narrative:
I received notification from my credit monitoring company that I had a derogatory mark reported. I looked into it and found an open collections account from General Revenue opened on XX/XX/2020. 

I never received any contact from General Revenue prior to them reporting to credit agencies. I did not receive written notification of the debt, nor did they attempt to contact me by phone. Regardless of the validity of the debt, I was never offered the opportunity to dispute or pay the debt before it affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
It's almost 60 days today since I've sent disputes last XXXX regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of XXXX  data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.

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 2021-01-11 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 Credit COLL added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, 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 its mines. According to the FCRA, Credit COLL has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: CA

Complaint narrative:
Sat XX/XX/XXXX I received a letter in the mail from a debt collector stating they were suing me to garnish my wages however, this debt is not mine AND furthermore this debt collector is located in NJ and I live in CA. 

Additionally, I have checked my credit reports dating back to XXXX ( I can provide copies of all years if necessary ) and can not find this creditor on any of my reports. It appears as though this debt collector is attempting to collect and garnish my wages for a debt that does not belong to me. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: PA

Complaint narrative:
I have disputed these accounts many times, and have received nothing at all from Amerifinancial Solutions. This is a violation of the FDCPA and the FCRA. They have failed to validate the debts at my request, and failed to properly disclose their attempts to collect said debts! I need them to stop right now! I thought I had rights! HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: OR

Complaint narrative:
As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with XXXX XXXX  and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with XXXX. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have owed a debt of around {$2700.00} on what used to be a synchrony bank credit card for about a year now. Due to being in the restaurant industry, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, XXXX XXXX XXXX XXXX continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Received notification of a debt that was not verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).

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