vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
After again noticing the debt on my credit report, I sent a Debt validation letter to IC Systems (XX/XX/XXXXXXXX XXXX XXXX., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. Last year when the debt validation was requested, IC Systems XXXXXX/XX/XXXX XXXX XXXX removed the debt from my report, but again for the 3rd time was recently added. 

Previous complaint XXXX Submitted to the CFPB on XX/XX/2019 This is the response from IC Systems -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Re : IC System Reference No : XXXX Original Creditor :XX/XX/XXXX Account No. XXXX Dear Ms. XXXX : IC System has requested that any information our office may have forwarded to the credit reporting agencies be removed or deleted from their records. You may wish to check with your local credit bureau in 30-45 days to ensure your credit file has been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE/CABELAS Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX XXXX : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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 ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I am filing a complaint in regards to First Tech Federal Credit Union. I was referred to opened a checking account & saving account online on XX/XX/2020, and completed the deposit of {$250.00} on the same day and have maintained the required $ XXXX balance ever since per the terms of their their referral reward of {$100.00}. In the term, it says the reward will be deposited into the saving account within 30 days after maintain {$250.00} for 30 days, which should be deposited by XX/XX/XXXX in my case. However I have not received any reward as of today. I sent secure message to the bank 's customer service but the rep asked me to provide the full name of the referrer as well as their phone number or email. However, providing such information was not noted in the terms of bonus offer, thus this excuse should not be the reason they reject my reward. I am unable to provide the referrer 's information, but had I known it was required, would have obtained it from the beginning. I am seeking help on CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I formerly had electric service with XXXXXX/XX/XXXXuntil the week of XX/XX/2019. At that time, my lease was up, my landlord needed the rental property back, and I moved out on a very short notice. When I was moving, I contacted XXXX XXXX, I requested a disconnect, and I was told it would be turned off within 24-48 hours and a final meter would be read, and if the amount was more than my deposit I would have a final bill. I notified the landlord, and he told me he would call XXXXXX/XX/XXXXbecause he had family members moving into the home the same weekend. Skip forward two years, and I get hit with a debt collection for {$1900.00}. I contacted the debt collector, Bullcity financial, and contacted XXXX XXXX. Both businesses pushed it off onto each other. Per Bullcity, I needed to file an identity theft report, and a police report, so I did. I submitted proof of this, along with my ID, proof of residence, proof of not living in that home, proof of my new lease and bills with my new address, etc. Come to find out, XXXX XXXX did not disconnect power in my name, and somehow left in on for 3 months with no payments. The new tenants used the electric in my name, knew they were not paying an electric bill, and wracked up a bill that I received no notice about. I have contacted XXXX XXXX at least 10 times, spoken with supervisors, with their fraud dept, etc. I have been told that I have to submit proof that I called them two years ago. Which is nonsense. I do not have the same phone number, I can not access phone records from two years ago, and even without being able to prove when I called them for disconnect, they can easily prove when I left the home, when someone else moved in, etc.The landlord also spoke with XXXX XXXX when the new tenant needed service in their name, and had to verify when they moved in due to the outstanding bill at that address, and they still never put the charges on the new tenant. They will not remove this from my credit, and it is affecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
THEY BREACHED HIPPA. 
I received an account in collections through Capio Partners with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right privacy through healthcare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime
State: AZ

Complaint narrative:
XXXX XXXX /drive time is reporting me 30 days late the month they received my pay off from the new purchaser my vehicle was sold XX/XX/2020 to XXXX XXXX a pay off was requested XXXX XXXX was informed bill of sale was reported to mvd /dmv pay off was made I have never been 30 days late with XXXX XXXX  in the XXXX years of having an auto loan with the company when i call they say their credit team will fight any dispute i have and report my final payment " my pay off " as 30 days late and there's nothing i can do about it I was in the process of buying a home and this hit dropped my credit score 44 points the fact that my history with them has been great and the month They get their pay off and im no longer stuck paying them thousands in interest i feel like they are punishing me when I have pay them in a timely manner I have already reported the company to the XXXX  because of of the mangers told me thats the only way i will get any help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a prepaid account used for checking with American Express Serve card which uses XXXX XXXX I believe. My son attends XXXX University and I applied for and received a Parent Plus Loan. There was a refund amount of {$9600.00} which was to be sent in the form of a check to myself at my home address. Some how the refund was submitted as a direct deposit into my checking account but the bank for the XXXX who submits the payments on my sons schools behalf put it in his name. My bank accepted the deposit but then completely froze and suspended my account due to the deposit. They are refusing to send the money back to the issuing bank without a letter of indemnity and all of my money that was rightfully mine before this deposit is also frozen and they will not give me access to it or send me the money in the form of a check until the refund money is removed. I did not think this was legal for them not to send the money back, or send me my money that is mine. XXXX University is not getting help from XXXX and XXXX will not contact their bank to have them send the letter of indemnity because they said American Express Serve should just send the money back automatically. I am struggling financially with no access to funds and I need help. 

American Express Bank closed my account with no letter, phone calls, nothing. We have only had conversations over the phone and they have documented my account. They have the Payment Investigation Team that no one can speak to, just email at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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 ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: SLM CORPORATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020, SALLIE MAE BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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 ) and a serious breach of my privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: KS

Complaint narrative:
I haven't used Bank of the West in months and they've slowed drained my entire account. They've assessed {$100.00} in fees. {$70.00} in " service '' fees and {$30.00} in anonymous fees. When I contacted them to reverse the charge and close the account they said they can't close the account with a negative balance but offered to give {$30.00} back, however that very day they applied the {$30.00} credit, they added a {$30.00} uncategorized fee to my account to net out to zero assistance and zero ability to close the account. I do not intend to pay the negative balance as I am contesting the fees yet as I do so they continue to assess fees to the account. I just want them to close the XXXX account and give me back the original {$50.00} they had in there when they started preying upon dormant accounts without notice. This is a ridiculous time for a bank to be preying upon 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 explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Debt was paid in full XX/XX/2021 Im requesting removal of collection account on my credit profiles XXXX XXXX and XXXX immediately upon receipt of this notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: CT

Complaint narrative:
money lion lender app reporting late payments to my credit this company would not accept payments from my XXXX XXXX  or XXXX XXXX  app so company can not report me late or delinquent when they dont accept my payments from my bank please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I was released from XXXX XXXX on XX/XX/XXXX. I was originally placed into XXXX XX/XX/XXXX -- So I was physically not able to leave any XXXX XXXX during that time. 
Upon release I checked my credit reports and saw that multiple credit card / store cards had been opened. I also saw these two medical complaints as well and disputed them at the same time. 
Companies like XXXX, XXXX, XXXX XXXX all did investigations with the documentation from my XXXX XXXX  and they resulted in removal from my credit history/report. 
The only two remaining debt collection accounts that I COULD NOT HAVE OPENED BEING XXXX, are being held by a company called XXXX XXXX XXXX our of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The company is always threatening, verbally and literally aggressive during calls to inform them post-disputes that they have something incorrect. I have been trying to resolve this because of two reasons ; 1. I was in FEDERAL XXXX XXXX 2. IF SOMEONE HAD USED MY NAME WHILE I WAS IN XXXX THEN WHY SHOULD I BE RESPONSIBLE FOR THE DEBT? ANY MEDICAL DEBTS WHILE IN XXXX ARE COVERED BY THE BUREAU OF XXXX OWN MEDICAL SERVICE TRIAGE EACH XXXX LOCATION HAS. 

I tried at least 5 times to calmy speak with this company, I have disputed at least 8 times on the 3 different bureaus and this collection agency always comes back with the answer of, " Verified as accurate ''. 
But I could not have left XXXX, I was sentenced for XXXX XXXX and they do not give furloughs to XXXX XXXX even though my charge was XXXX XXXX  with a note. Because XXXX  is XXXX  I under federal guidelines can not leave the XXXX and could not leave the XXXX in XXXX, PA United States XXXX XXXX. 

Today is XX/XX/XXXX I have lost count of exact attempts at disputes with a actual Federal letterhead stating that I was in XXXX  during that time. This is what resolved all of the other opened while in XXXX. This company seems to be aggressive, and not cooperative at all when I try to inform them that its impossible for me to have made these. I have documentation proving my XXXX. Thats all I need to show that I could not go for a drive from PA to IL and open these accounts for whatever medical issues they are for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hi i closed a checking and savings account XX/XX/2020 with citi bank, but today i am getting messages and phone calls that i have a savings account with XXXX $ balance open and being charged fees .... 

Please close this account and waive all fees

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I have been trying to initiate a partial release for over a month and roundpoint refuses to start the process. On their application for a partial release it explicitly states that the consumer is to NOT order their own appraisal. 
Now, they're telling me they won't order an appraisal until they have a sales contract. I can't sell the property until I know how much it is worth and therefore need an appraisal. 
My customer care advocate XXXX XXXX Customer Advocate XXXX XXXX Ph : ( XXXX ) XXXX will not return my calls, voicemails or emails. 

I have every right to pursue a partial release of my property. Roundpoint Mortgage 's failure to even start the process has now cost me a month of my time and we are no closer. They are holding my mortgage hostage at this point and something needs to be done. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received an EIDL loan in XXXX for {$8000.00} to my personal checking account that was approved to me as an XXXX XXXX XXXX XXXX. At the end of XX/XX/2020 Capital One restri cted withdrawals and on XX/XX/2020 withdrew the entirety of my account of {$4800.00}. Numerous phone calls to capital one have not resolved my complaint nor justified their actions based on s uspicions of fraud. Capital One told me they sent the funds back to the SBA to which SBA do no t have any receipt or record of. Numerous attempts to call capital one to tell me where the funds have gone are unresolved. Please help mediate and find where capital one did with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Bull City Financial claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both Bull City, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called Bull City to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both XXXX and XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as Bull City is paying them to post this bogus account on my credit reports and they ignore everything I provide.

Company response to consumer: Closed with explanation