vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

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 2021-09-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
EQUIFAX furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, EQUIFAX claims that XXXX XXXX is the source of bankruptcy information although XXXX XXXX does not include a bankruptcy. With that said, EQUIFAX has neglected to assure the accuracy of the consumer report they've furnished in my name pursuant15 USC 1681e ( b ). As a result, EQUIFAX is civilly liable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
1. Told XXXX servicer loan XXXX of financial hardship due to the COVID-19 emergency and are requesting a forbearance. 
The CARES Act grants the right to forbearance by submitting a request, it was on XX/XX/2021. 
2. XXXX XXXX sold to XXXX new servicer Rushmore XXXX XXXX. Loan # XXXX. Rushmore service ignored documentation sent over by XXXX XXXX ignored documents of XXXX XXXX as trustee executor. Ignored Cares Act and propagated false default. Would not speak to XXXX XXXX did not accept faxes letters of trustee nor XXXX and Care Act documents. Trapped this mortgage into a situation that could not be cured due to their reluctance to talk to XXXX as the trustee and look at the proper documents. 
Uncooperative did not designate fact and downright predatory in subjugating Miss XXXX no processing time before sending a default letter the first week of XXXX when supposedly there is a change of servicing and mortgage holder is allowed 90 days for processing unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was charged twice from same company for same amount I have been trying to resolve this since XX/XX/XXXX. 
So obvious that I was charged XXXX twice on same day I closed my card followed all they said they have temporary credit then removed and I am Still charged twice XXXX. That is not Mine I am so frustrated getting no where

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 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was looking for a chow chow dog online n I found their website i checked it out there was lots of available dogs nI finally picked that dog names XXXX. I didn't call em or anything like that cos they don't have a phone number or even an address. I ended leaving my phone number and name and email address on their website. And the next morning which was yesterday morning I got a text from them they said they are the breeder of chow chow dog that I'm looking for and then we talked ab the dog and shipping and stuff then I asked em how do I know y'all real and they took a video of the dog with a paper that wrote my name and address on it. I trusted them I decided to send them XXXX bucks ( XXXX for the dog plus XXXX shipping cost ) It was XXXX money transfer. After I sent it they asked for Hidden charges for the electric dog crate on the plane something like that and they also said the delivery company won't be able to get the dog shipped if I don't pay for that charge.i mean why didn't he tell me at first if he did I wouldn't buy the dog. At that point I realized that I'm being scammed. I decided to ask him to get my money back and he just never answer my text. 
This is the delivery company number : XXXX ( XXXX ) XXXX.they tried to call me like 8 times but I didn't pick up the phone cos Ive already known they are scammers.

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 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 I noticed three pending transactions on my debit card which were made in the state of Washington ( I am in California ). I immediately phoned U.S. Bank Fraud Dept. and reported the charges. The representative confirmed that a recently issued Debit card had been used without a PIN. I was told that the card would be immediately canceled and provisional credits would be issued for the unauthorized charges. The credits appeared within 24 hours but then disappeared the following day and the pending charges were deducted from my account. I have made several calls as to why the pending charges were allowed to post and the credits removed. No response and no accountability. I am a working person who must meet a rent obligation on XX/XX/XXXX. I have been Banking with US Bank for 8 years and am shocked at the complete disregard for Customers.

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 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi my name is XXXX I'm a XXXX XXXX person that has struggled to keep up with payments of all sort I have a vehicle loan through ally auto for my van that I had purchased in XX/XX/2015 from that date till now I have never missed a payment for that vehicle even with my XX/XX/XXXX right now struggling to keep up I'm almost a month behind but I always make my payments before the 30day late period because of how much money comes in .my payments are do on the XXXX of the month so in XX/XX/XXXX I deposited some money from a customer and it was available on Saturday so I made my payment on Saturday the XXXX but today I received a 30 day late from XXXX and I'm not happy I've been struggling to keep my family happy during this time and to see this it hurts specially for people that are on parcel unemployment like I am I would like this to be removed if possible I so it doesn't hurt me just incase I need to use my credit for something else.

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 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I called Mr. Cooper and talked to an agent about possibly refinancing our mortgage. That same day a few hours after our conversation, another mortgage originator named XXXX XXXX ( NMLS # XXXX ) called my husband and asked him about our interest in refinancing. 
My husband did not agree to doing a hard pull on our credit during their conversation. The next day XXXX informs me that I have a new inquiry ( both soft and hard ) on my credit and confirmed that it was from Mr. Cooper. I called the company and they gave me a number of XXXX manager XXXX who never once returned my call. 
I talked to another mortgage professional with Mr. Cooper and he says he couldnt even trace the guy in their system. 
This XXXX XXXX completed an application and locked in a rate for us without our consent at all. And now the mortgage originator I am working with cant do anything because of what this guy did. 
Running a hard credit check without our consents is illegal. I would like to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was collecting unemployment from Idaho, using a US Bank Reliacard. Between XX/XX/XXXX & XX/XX/2021 my account was hacked & several illegal withdraws were made via card to bank transfer. I have the account info showing the dates & name of person whom did this fraudulent unauthorized activity. 
I notified US Bank, via a phone call & fax, the day I found out my money was missing ( {$8300.00} ) which was XX/XX/2021. They said my account PIN was changed & the money removed via a transfer. I did not change my PIN, or ever use a direct bank transfer. I went back & forth with them several times on the customer service phone line. On several occasions I was on hold for over an hour when the phone mysteriously cut me off & returned to a dial tone. 
I have records of my account information, my faxes to them & their statement of resolution ( XX/XX/2021 ) which says US Bank is not responsible for this & no money will be returned to my account. 
I feel that US Bank is responsible for security of my Reliacard, and should not let PIN # 's be changed over the phone w/o a security check being done on the caller. 
Please let me know what you need me to do next. 
Sincerely,

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 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery keeps calling my phone. I dont know who these scammers are and Ive never done business with them and Ive never signed a contract with them. They are garnishing my wages. They took almost {$400.00} out of my last paycheck and Im a single mom with 1 income, barely making it. Recently, I was out on unpaid medical leave for 6 weeks due to XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
I had problems with identity theft a few months ago, this account is being reported to my credit report they claim that it is mine but it is not the result of uses of my documents via fraud I need help to solve this problem because it affects my credit. 



Name company : XXXX XXXX FKA XXXX Account number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: FL

Complaint narrative:
I received a notification in XXXX about a XXXX XXXX  debt that I don't recognize. Below are the details of what I found in the XXXX report. 

Creditor Information UNITED CREDIT & COLLECTI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Opened XX/XX/2021 ( 1 mo ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I had a HSBC credit card which I was not using and there were no annual fees for the last several years. Without my consent they had converted the card to a credit-card with annual fee, charged an annual fee and then started auto payment ; payments were returned and then they started charging returned check fee and finance charges. I only see all of this when they sent me a collection bill. I have never used the card or consented these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
Fraudulent credit application without my knowledge or consent : On XX/XX/XXXX, I went to the XXXX XXXX branch of the First Technology Credit Union in XXXX, XXXX, to get a cashiers check. The teller asked me whether I was interested in extending my credit limit for my credit card. I declined that offer. She also casually asked if I still worked at XXXX, to which I replied that I now work at XXXX XXXX. 
She then asked me to sign for the check ( on the signature device ), which I received. I then left the branch. 

Two weeks later, I received a letter saying that my loan application was declined. Because I wasnt aware of any application, I went to the branch to find out what happened. 

After talking with the assistant branch manager and the application audit department, we found out that an application submitted for a credit limit extension on my behalf with a fictitious profile ( saying that I am a driver for XXXX with an annual salary of {$30000.00} ). 

We escalated the issue, and it was investigated by First Techs Internal Audit department. Still, besides a promised correction of the credit inquiry, which significantly impacted my credit score, it seems that no further action was taken. The teller who submitted the credit application still works in the same capacity. After raising the concern again with First Techs upper management, they, while claiming to do everything to regain our trust, suggested we could change to a different bank.

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased 2 tickets with Chase XXXX  points and had to cancel them due to COVID travel restrictions at the destination. 

I was awarded credit to rebook travel anytime before XX/XX/XXXX. I called the Chase XXXX  department, to use the provided credit and they said their ticketing department had difficulties rebooking with my credit since XXXX no long offers the Economy Standard Fare class, which is what my original ticket was. 

Since then I have called multiple times and each call is hours ( 2-4 hrs each time ) with no resolution to use the credit and book any flights. At this point I have spent 11 hrs on the phone with Chase XXXX  and thats almost as much time as it would take for me to go to XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Meritize Financial Inc.
State: TX

Complaint narrative:
Original Balance for pay off amount is {$5700.00}. 
When I called Meritize, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of identity theft. The person ( s ) had opened a Capital One account in my name in which a Capital One credit card was obtained by this person ( s ). The amount owed on the said account is {$760.00}. I spoke w/ a person from Capital One & made them aware that this wasn't, & could not have been of my own doing because i was incarcerated since XX/XX/XXXX & was released on XX/XX/XXXX. They had me send in proof in which i've done. The said debt was then taken off of my credit report & closed by Capital One on XX/XX/XXXX ( see attached ). But then Capital One turn around & sold this same debt to another entity, which is illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: IL

Complaint narrative:
On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from Equifax stating that they verified the bankruptcy through XXXX XXXX. I reached out to XXXX XXXX and put in a request for an investigation into where they got the bankruptcy listed. After XXXX XXXX completed their investigation on XX/XX/XXXX I received a letter stating they removed the bankruptcy from their records and from my XXXX XXXX Report. 

On XX/XX/XXXX I mailed letters to Equifax requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, Equifax investigation results letter from XX/XX/XXXX, the letter from XXXX XXXX dated XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX I called XXXX to follow up with my documents and was told that they did not see any documents from me and was advised to resend them online to myequifax.com which I did. Online confirmation number for this submission is # XXXX and # XXXX. I also sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at Equifax. 

On XX/XX/XXXX I called XXXX at XXXX to follow up and spoke to XXXX XXXX She stated that she did see the documents that I submitted online and that I needed to give them the remaining days of the 30 days to review. Once reviewed they will remove the bankruptcy and update my credit report. Confirmation number XXXX As of XX/XX/XXXX, I have yet to receive anything back from Equifax in regards to this investigation. Even with several calls after XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
The fraudulent credit inquiries were made by the following companies : Inquiry : 1. XXXX XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX/XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I been notified from the credit bureau that a negative collection was place on my report l was never noticed by the collection agency about a attempt that was placed with them this collection have no right to placed a collection on me l dont even what company that the agency is trying to collection but this collection do have a right to destroy and add a negative on my credit report and l havent been notified of anything please remove l own this collection agency nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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:
Original Balance for pay off amount is {$5700.00}. 
When I called XXXX, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.

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