vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I was taken to court for a default judgement because they never actually served me or informed me of this debt back in XXXX. I was not aware of anything until my employer received notice of garnishment. At that point I tried to look into it but since it was a default judgement there was nothing I could do to fight it. So I paid the debt in full as of XX/XX/XXXX to get it over with and remove the garnishment. Come XX/XX/XXXX I received a letter saying I still owe on the account. I immediately called to clear up the issue but the agent said there was no payment made on the account. I said well if thats the case why did it take so long to get me a notice to which they said they had sent 27 letters which is not at all true given they already never gave documentation in the first place until after they sued me. After he decided to just say I was wrong instead of looking into the account or providing any evidence he hung up on me. I then promptly sent a letter towards the end of XX/XX/XXXX with a copy of the receipt that showed it was paid in full. I even checked my credit score and it shows as paid in full and closed. I received one other letter dated as of XX/XX/XXXX saying they will report me to the credit bureaus if I didnt pay them within 10 days of them giving me this notice. I didnt receive that letter till XX/XX/XXXX. They have not provided any proof of debt or acknowledged my proof of paid in full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I received a {$99.00} card fee on my XXXX statement so I paid the outstanding balance of {$8500.00}. This amount was paid on XX/XX/20. I then contacted Alliant and told them I wanted to cancel the card because of the fee and asked that the remaining rewards of {$120.00} to be paid since the card was paid in full. I was then informed that if I cancel the card and don't pay the {$99.00} fee, that they would not pay me the earned reward use credit of {$120.00}. I escalated the matter to another supervisor, but was told that if I cancelled, I would forfeit the outstanding reward amount. I have been an active user of the card over the past year and always paid each month in full. This last month was no exception. It seems very deceptive and unfair that they would force me to renew a card that I don't want in order to receive the reward credit that I have earned. Attached you will see where I had the {$99.00} fee and then they refunded it but said I do not get the reward, so I told them to keep the card active until we could resolve this issue. That is why you see the {$99.00} fee twice. Any assistance in resolving this matter would be very appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 CBE Group, Inc.
State: TX

Complaint narrative:
XXXX ( XXXX XXXX ) sent my account to collections without notifying me there was anything due. Once the collections company, CBE Group, got the file they immediately reported it to the credit bureaus. This was a {$59.00} charge that never should have gone on my report. I was unaware of it and after speaking with the collections company it is showing as satisfied rather than removed. To summarize, this was a cable box I did not know I had to return. I was never notified I needed to return it until it went on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
I do not receive mortgage statement neither by mail or emails, none available. I am not able do online or by phone payments. no response to any of my emails and certify letters. Erroneously my XX/XX/2020 mortgage payment was applied towards my loan balance principal and this has caused their records to be a month behind. Mortgage modification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Simon's Agency, Inc.
State: NC

Complaint narrative:
Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX Simons Agency Inc- {$130.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Stevens Business Service, Inc.
State: NC

Complaint narrative:
Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX {$130.00} XXXX Stevens Business Service/XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my XXXX XXXX I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2021-01-15 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I did a consumer credit transaction with Chase ( credit card ). A few weeks later I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Chase, I sent them two documents. The first was a debt validation letter and a cease and desist. Even after Chase receiving these documents, I still received phone calls and emails in regards to paying this so called delinquent debt. These documents were sent via the XXXX on XXXX and was delivered on XX/XX/2020 at XXXX. The documents requested that Chase respond back within 30 days and they have failed to comply. Instead, they are still reporting inaccurate information to the credit bureaus and sending me emails about this alleged debt. Today I am contacting the cfpb to get this matter resolved as quickly as possible, as the information on my consumer reports are illegal and is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) CAINE WEINER # XXXX XXXX ) XXXX XXXX  # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On some accounts its showing that I had a late payment one month ago but the account have not been late in over a year and this one month reporting is dragging my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo hasn't provided original documentations when asked by the three credit bureaus ( XXXX XXXX XXXX XXXX ). I submitted disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX has since removed this account from my file but it still remains on my XXXX  and XXXX credit files. Wells Fargo has had a long history of ignoring laws and shady tactics, that sadly affected the lives of millions in this country. In the documents attached below, you will see when I first submitted my 609 letters and XXXX  removing Wells Fargo Card services from my account. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.

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 2021-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filed the claim with bank of america on XX/XX/2020 for {$770.00} and got temporary credits, on XX/XX/2020 I got an email regarding my claim they said unable to pay " Our records show the transaction activity in question was authorized and posted correctly to your account. We relied on the enclosed documents to make our decision. '' I did not authorize those payments I was in the hospital during those time with XXXX XXXX and when I was gon na pay for my hospital bill that's when I find out about these transactions

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 2021-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a refurbished laptop from an advertisement on XXXX. I used my Capital One card for the purchase. The merchant sent me a receipt for the {$89.00} purchase. The receipt from the merchant looked like a XXXX receipt but I did not use my XXXX account for this purchase and this card is not attached to the XXXX account. Suspecting a scam I filed a dispute with Capital One. I received a notice from XXXX XXXX XXXX that the package was delivered. I did not receive the package and notified XXXX XXXX. They told me to file a claim with them for a lost package. I did as they instructed only to learn that a package, not my package, was delivered to a person here in XXXX with my tracking number on it. XXXX XXXX denied the claim. Capital One initially gave me a credit for the {$89.00} purchase. On XX/XX/XXXX Capital One reversed the credit and charged me the {$89.00}. I called to ask why and they told me that the merchant provided proof of delivery. I stated that the package was not delivered to me, that this is a scam. I provided via a fax to Capital One showing the tracking number and all of the information that I have received from XXXX XXXX. This scammer provided a false claim of delivery never intending to send my anything only take the money. By the way the package that was delivered to another person by XXXX XXXX weighed 75 pounds. A laptop does not weigh that much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
This is the second time I have had to file a complaint with Clesr One Advantage and or XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX. 

They have called me before while violating a huge compliance violation while not disclosing that it was me they were speaking to and began to discuss my account. 

This was supposedly handled by XXXX I believe his name was and he was the ONLY kind person Ive dealt with, but only because I feel he had to be. Nevertheless, they constantly badger me to pay more to settle with XXXX XXXX. I have told them time and time again that I am a single mother, working full time from home while watching my daughter. HINT HINT I can not afford a babysitter let alone more money for a settlement. I have been with this company for about half a year or more and I am EXTREMELY dissatisfied with these companies and their lack of reading notes. 

As someone who has worked in and currently works in Compliance for a financial institution, I can only XXXXmagine their compliance violations pertaining to EFTA, UDAAP and so on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit Acceptance Corporation is fraudulently resurfacing debt on my credit reports that showed as charged off for years as a now open account with late payments to purposefully lower consumer credit report and to fraudulently re-age the debt. This is obvious because the payment amount is showing as XXXX  but it continually reports as late every month.

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX my husband was a victim of fraud. {$48000.00} was taken from our US Bank account via a wire transfer. I immediately contacted US Bank and was told that the wire was pending. I pleaded with them to cancel the transaction, nope I found out that the funds were released and I might add this was done within 4 hours. Which leads me to believe this was an inside job. I contacted XXXX XXXX via phone and email which he did call me back and told me it was out of his hands, seriously ... He proceeded to transfer me to US Banks fraud department and spoke to XXXX XXXX, his words to me ; i should contact XXXX 's police and find out what happened. On XX/XX/XXXX I filed and FBI and Police Report. On XX/XX/XXXX I received a call from a District Manager, XXXX XXXX telling me that the US Bank is taking action, seriously 1 week later. I was also told to stay out of the XXXX XXXX XXXX, XXXX XXXX, IL. because I made a scene. I will make a scene when it comes to {$48000.00}. On XX/XX/XXXX i wrote to the US Bank 's CEA Mr XXXX XXXX. I got a responds from XXXX XXXX Executive Communications and basically was told I'm out of luck. On XX/XX/XXXX I filed a complaint with the Illinois Attorney General 's office, have not heard back from them. On XX/XX/XXXX I submitted a complaint to the fraund.ftc.gov

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 2021-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX/XXXX  XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT

Company response to consumer: Closed with explanation