vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: VA

Complaint narrative:
These accounts listed on this report is fraud and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX JPMORGAN CHASE sent me a settlement offer in the amount of XXXX due within 30 days I sent two money orders securely attached with staples and staggered so as to make them visually seen. They mishandled the XXXX XXXX money orders and posted one payment to my account and did not post the other. Upon submitting copies of the money orders they posted both payments sent a letter thanking me for my final payment and then proceeded to retract the letter stating they did not receive payment and that the settlement offer was revoked. They claimed they did not receive the payments or the funds had been sent back for lack of funds. On XX/XX/XXXX, I proceeded to send them receipts from the store of purchase the stubs from the money orders the copies of the letter showing items securely attached and also the telephone number from XXXX XXXX that shows they cashed one and did not cash the other although both had been sent on the same letter. JPMCB is in possession of all proofs of payment and receipts as of XX/XX/2021 they had scanned and uploaded into their system with no change being made to the credit reports. Fiduciary duties have been ignored They failed to have a proper accounting They failed to show reasonable care and diligence when posting the received payments by only posting one payment of the two securely enclosed in the same envelope They have acted dishonestly by reporting the account to the credit bureaus incorrectly even after being supplied ample proof of payment. 

Todays date is XX/XX/2021 Chase has not made itself accountable for its mishandling of the funds and has cost me 2 job opportunities for its wreckless acts. They have also invalidated the settlement agreement by FRAUDULENTLY stating the payments had been sent back or not received the payments have not been cashed and they posted one of two XXXX XXXX  money orders from the same envelope. They even went as far as saying the shredded the other payment without any proof that this in fact happened. Which would also constitute lack of care in handling currencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These accounts listed on this report is fraud and I am a victim of identity theft.

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 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently opened a Citibank account and after depositing nearly {$1000.00} into my new account the bank maliciously locked me out of my account and refuses to do anything to help me get back into my account. I need my money to pay my bills.

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 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/21 I went to my local XXXX to withdraw {$200.00} from an atm at that location. The transaction completed, a receipt was provided, however no money was dispensed. I informed a clerk at the store. The ckerk stated the atm was having " issues '' for the last few days and I needed to call the number in the atm. When I called the atm company they informed me I needed to call my bank. I went back home, called my bank, US Bank. US Bank provided a provisional credit while they researched my withdrawal issue. 

On XX/XX/XXXX US Bank rescinded the provisional credit. To date XXXX XX/XX/XXXX ). after a number of calls, I have yet to be told why they rescinded the credit for the failed withdrawal.

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 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had my personal information stolen after opening a new business and an est. amount of XXXX that was missing and I also had company fuel cards stolen using an est amount of XXXX, XXXX, XXXX XXXX with XXXX XXXX, capital one 360, capital one spark, XXXX XXXX personal and business, XXXX  XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX, XXXX I did file police reports after each time that my semi-tractor trailer was broken into without my permission some of the companies that I was working for is the same individual that broke into my semi and stole all of my personal and business information and I have a lot more evidence that can not be said as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-07-11 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: AL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: LA

Complaint narrative:
5 weeks prior to the XXXX error this card was lost/stolen. I called canceled card and proceeded to change my existing subscription to the gym qnd XXXX. Once new card was received. When the XXXX was alerted to my phone I immediately called netspend and was told I did not cancel my card. I asked the lady why did I get a new replacement card that im is I ng I can not have 2 cards on my account. I said check the ladt time I called. After a minute she says yes I canceled the card but netspend employee did not. She opens a dispute and I wrote in. They sent a temporary credit. They now told me im responsible for charge. This was a trial from 2 months prior I canceled because I paid XXXX. And the merchant had not sent anything in 5 weeks at that time I canceled with them but did not need to with netspend. Later when this XXXX came up I included netspend but I am not responsible because really once I canceled subscription the merchant should not charge me plus card was closed

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 2021-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened a Chase Total Checking account on XX/XX/2021 because of a promotional offer I received for a sign up bonus of {$220.00}. After completing the sign up and initiating a deposit from XXXX, XXXX XXXX XXXX ) I tried to find the offer again online to forward to a friend. At that point I saw the monthly fee that I was not made aware of before opening the account. Upon looking further into my account settings I noticed a XXXX XXXX account under a tab named Show or Hide accounts. I then realized that Chase Bank had opened an additional debit account in my name that I never requested or was made aware of. I also found out that the XXXX XXXX account can not be accessed via the mobile site and is only ever visible under that specific tab. I am still currently unable to get in contact with customer support. I attempted to lock my Checking account and was not able to. I am unable to close the account online, which is how I signed up for it. It must be done over the phone or in person. When I called to demand my accounts be closed I was told to call back Monday through Friday. Fortunately the deposit has not reached the Chase bank account yet. Chase 's 48 page legal disclaimer is outrageously long and intentionally confusing. I am outraged that a banking company is able to hide the fact that they opened a secondary account under my name without my approval or knowledge. Today is XX/XX/XXXX. There has been a hidden debit card open in my name for 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 EDD posted {$4100.00} to my account in the form of 4 {$1000.00} deposits. My balanced was transfered out by BofA without my consent. I immediately notified them of the error but they said they couldn't help me. For me to contact claims. Consequently I fallowed all procedures to have my money returned however the bank claims that i only submitted 2 transactions instead of the four. They granted the 2 claims but when i inquired about the other 2 they said i needed to submit them separately even though they occurred ant the same time. Now they said that the last 2 were denied. They accepted liability for 2 out of the 4 transactions now i had to appeal their decision. Clearly they made an error by not submitting all 4 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 explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I will NEVER pay it cause its not mines. MRSBPO keeps placing debt back on credit even though I have successfully proved its not mines and removed from bureaus. They keep adding it back without proving I owe it. They need to show proof they can collect in Texas too. They have been violating my FDCPA rights! I was affected by natural disaster COVID 19 too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
The company CACi is trying to collect without proving I owe debt. It belongs to someone with similar name. Not my debt and I will NEVER pay it. They havent showed proof they can collect in Texas and they didnt give me a full 30 days to dispute before they placed it on my credit! They are violating my rights! I was affected by the natural disaster COVID 19 too.

Company response to consumer: Closed with explanation