vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX/CAPIOPART XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ) ( f ) XXXX on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX/CAPIOPART XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I recently recieved a letter from a company called Convergent Outsourcing INC on the XX/XX/XXXX stating that I owe {$880.00} to XXXX XXXX   from XX/XX/XXXX. I was XXXX  in XXXX XXXX  at the time and 18 years in the military later now I get a letter for some odd reason and nothing from XXXX XXXX is on my credit report as being delinquent for 18years!!!. I called Convergent and they gave me some bougus info. Please SHUT CONVERGENT DOWN ITS ALL A SCAM!!

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 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: CT

Complaint narrative:
I have contact XXXX about this problem and also Equifax about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have contact XXXX about this problem and also XXXX about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.

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 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: MO

Complaint narrative:
Great Lakes sent my account to a loan service group named XXXX XXXX and I received a notice by the us dept of education that I would be garnished for non payment of loans in early XXXX. I was in forbearance with Great Lakes and I didnt receive any notice that my forbearance ended. I contacted XXXX XXXX immediately and was told I would be garnished for $ XXXX+/- a month until loans are paid ( {$12000.00} ). I explained that there is no way I can afford this, but I would be willing to pay up to {$300.00} a month. They asked me to fill out documents on my bills, and I did. We went over this in detail during our initial conversation. During this conversation, I was told I could make on time monthly payments for 10 months at $ XXXX/month and that will bring me back on track. I was happy to have this option. I mailed them in as instructed to, and was told they would get back to me with my arrangements. I never heard from them. I called them the first week of XXXX and was told that they never received the documents, and since they didnt, there was nothing they could do. They have moved forward with processing the garnishment and the amount is almost {$800.00} a month. I made this clear that this would put me at risk of losing my home, and assets, and they didnt care. I have no options at this point and I am scared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Received statement on XX/XX/2019 via email stating balance {$49.00} payment due {$49.00}. Then on XX/XX/2019 received a letter stating account 90 days past due account closed. Contacted bank ask what was going on since I never received a statement previously showing payment due, and I was never contacted by mail or phone stating it. Investigation was started 5 days later received letter stating balance was zeroed out and they couldnt reopen my account. Then a couple weeks later I received another letter stating that all past due reports to credit bureau was being corrected to show no past due. This has destroyed my credit rating and they still wont reopen my account.

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My XXXX died on XXXX and I was selected to take care of his final affairs, trust will ect. I closed his credit card with Citibank aprox 2 weeks after his death. Then in XXXX of XXXX a credit was issued back to his card from XXXX of the insurance companies that had direct payment set up with my father Citibank credit card. In XXXX a credit of {$720.00}. 24 was issued to the credit card. I called Citibank and requested the funds be sent to his address on file. The agent requested I provide documents showing my role in the estate/trust which I provided. I called back two days later and they confirmed all paper work was in order. The agent then related I would receive a refund in the amount of {$720.00} by the end of XXXX. When the funds didn't arrived I called back at the end of XXXX and talked to XXXX # XXXX in the probate dept. She related the check was issued then cancelled she didn't know why but would submit a new request. She return to the telephone and related everything was in order and the check would be received by XX/XX/XXXX. When the funds didn't arrived I called back on XX/XX/XXXX and again talk to XXXX. She related the check was issued then cancelled again. She didn't understand why. She did research and found out it was an internal error on Citibank end. The check would be reissued and it would be received with 30 days. When the check didn't arrived I called back on XX/XX/XXXX spoke with another agent she related the check was never sent and didn't know why. I then requested to speak with a supervisor I was then transferred to XXXX # XXXX. She look at the case and couldn't understand why the check wasn't sent. She contacted the check issuing dept and was told it would be placed on rush and I should receive it within 10 business day. On XX/XX/XXXX I called back after having not received the refund and spoke to XXXX again she related the check was issued but not printed yet it would be done soon. On XX/XX/XXXX the check still hadn't arrived so I called XXXX back again and she related the check was not issued because it was involved in a batch of checks that were recalled. She related I couldn't talk to anyone else and it would be another 10 business days before it would be reissued. She also said I couldn't talk to anyone else and she wasn't a supervisor and wouldn't give me her supervisors name. If I had a problem I could write a letter to the office of the president. 

It has been 4 months since I contact Citibank XXXX XXXX and I still haven't received the credit refund. The estate/trust has been waiting for the refund so it can be closed. This has become nothing less then a joke dealing with Citibank and XXXX is the worst of all.

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
We have our 1st mtg w/wells Fargo - nothing else, yet they are now sending us checks and have opened up a VISA account unsolicited. Isn't this the very thing they were fined for?

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitalone XXXX XXXX XXXX XXXX All these credit card companies are stating that my payments in 2018. Were late and on my credit report its showing 30 days late. I called and disputed these allegations and no resolution. 
A little background information started a program through credit counseling in XX/XX/2018 because I wanted to lower my interest rate and continue making my payments to payoff my creditors with good faith. Before this date I was never late on my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
Cedars Business Services , LLC from XXXX, California, sent me a collections letter for an account I do not own. I have never lived in California and never signed with XXXX  for any accounts. I have a XXXX XXXX Account prior to the merger with XXXX  and that account number is totally different and paid in full monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation
State: TX

Complaint narrative:
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports. In the original response it stated I didn't pay my installment plan as promised. I found my bank statements showing that I actually paid up until XX/XX/2018. I have included the bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 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: CA

Complaint narrative:
Hello my name is XXXX XXXX. I am having a huge problem with having several fraudulent accounts deleted from my Transunion Credit File. File Number XXXX. I have recently contacted the FTC to file a complaint as well, I have provided Transunion with a copy of my police report that list the fraudulent entries and after 4 months my situation remains the same. 

I have list the 6 FRAUDULENT COLLECTION ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Attempted to call and spoke with rep and then they transferred me over to credit specialist to discuss my APR and interest rates. They customer service rep stated the could lower fees and help with APR and would reach out to another person to discuss what they could do. I pay 25 % interest rate and i have been with the credit repair service now for 6 years. I got my credit score up to a XXXX and the still continued to raise my interest rates and charge me excessive amounts of interest so I could not pay my debt off and just recently hit me credit score because I fell behind. This rate is outrageous and the did nothing to help or even try to assist and I have been a loyal customer of theirs for 6 years. They also did nothing to change my interest rates after i had improved my score with them above XXXX which was a good credit score. They never once tried to treat me like a loyal customer even when my credit was good i did not deserve years of high interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GMA Investments, LLC
State: NV

Complaint narrative:
On XXXX XXXX I received a phone call from a unknown number. I waited to hear the voicemail to see who it was. Not even 15 minutes has gone by and my mom, dad, sister and my brother in law all texted me saying the same number called them leaving a voicemail. I called the number back after getting ready for my day. The guy on the phone by the name XXXX had asked me have I ever been sued by a company, I said no. Me trusting the company I had set up payment arrangements. After the payment didn't go through since I had to change my card info I received a phone call from my caller ID stating it was the district attorneys office. The gentleman left a message on my voicemail stating his name is a XXXX XXXX. He didn't give me a first name, no number to reach him at, but gave me the same number XXXX has called me from. After closely listening to both voicemails it is the same guy. So not only has he called all my family he has also falsely identified himself to intimidate me to pay this company. Today XX/XX/2019 I had reached out the original company I owed to see if I can pay them, they gave me the company they sent it off to. I called that number and she had told me they sent it to the Summit Receivables. I explained to her everything this guy has done to get me to pay this debt. She informed that he is not allowed to do that so she had referred me to the manager over, but she never gave me a call. I'm not going to be harassed.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX, as an accomplice employed on the behalf of CAPITAL ONE FINANCIAL CORPORATION and the CAPITAL ONE FINANCIAL CORPORATION and CAPITAL ONE LLC and all CAPITAL ONE subsidiaries contracted with the parent corporation for the violation of Title III American Disabilities Act also known as ADA after repeated warnings and a cease and desist communication in XX/XX/2018 the CAPITAL ONE FINANCIAL CORPORATION has violated the ADA and the offenders are subject to {$50000.00} penalty for the first offense and a {$100000.00} penalty for the second therein and CAPITAL ONE FINANCIAL CORPORATION and XXXX XXXX have egregiously violated my rights with the perjury claim document provided for the false security alert claim as they have block access to the account strategically and precisely to cause and or generate and charge additional fees for the credit card accounts in which they have no record to provide as to how the accounts were actually created and or refusing to disclose the corresponding entries for the bank book ledger and the document contract with their signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Withdrew prior to disbursement in XX/XX/2008 and school knew i would not be employable even with education due to criminal record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
Ive contacted Equifax several times as well as sent over documentation to prove that I was a victim of identity theft. Equifax has failed to report data correctly on my report. Ive sent the same information to XXXX and XXXX and they verified the accounts on my report as fraudulent. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: LendUp Loans LLC
State: RI

Complaint narrative:
Never recieved a statement..nor bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I navigated to " XXXX '' to get by free annual credit report. I had no issues with XXXX or XXXX but when I tried getting my report from Equifax I was asked security questions which were all non-relevant to my credit history. I had to answer " NA '' for all these questions and as a result, Equifax denied to show me my credit report. I then tried for a 2nd and 3rd time and was faced with the same issue, non-related security questions. I believe Equifax is intentionally denying me access to my annual credit report because they want me to pay. I would like this fixed.

Company response to consumer: Closed with non-monetary relief