vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OR

Complaint narrative:
In XXXX of this year, 2021, when I was applying for a loan, my credit was ran and a derogatory account appeared on my credit report that negatively impacted my credit score. The original creditor, XXXX XXXX, a company in the state of Texas, sent the past due bill for {$83.00} to a collection agency by the name of MRS ASSOCIATES. I have lived in the state of Oregon since the age of six and have never opened an account with XXXX XXXX in Texas. I called MRS ASSOCIATES to dispute the account and I was told to send an email, so I did in XXXX, but never received a response. I feel I am a victim of identity theft and need this fraud removed from my credit report so that I can keep improving my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

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 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted TransUnion about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to TransUnion on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.

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 2021-10-21 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 — Overcharged for something you did purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Under the truth in lending act it is required by federal law pursuant to 15 USC 1602 ( v ) to provide me with Material Disclosures ( v ) - The term material disclosures means the disclosure, as REQUIRED by this subchapter ( which is TILA ) the method of determining the finance charge, the balance upon which a finance charge will be imposed and the amount of the finance charge. Per federal law as you can see from the definition I have provided, states it is required you disclose this information with me.

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 2021-10-21 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: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/21 I received a charge for a service which was not completed. I sent in the cancellation text and I also sent in proof of the work not being completed. Chime did an investigation and then sent back only a receipt for the service. I then forwarded the conversation between the business owner and myself to chime where it was also stated that one of the services weren't being charged. I was still charged for extra services even with the services never being rendered. I have submitted two more disputes and have not had my issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report was obtained by companies I didn't authorize nor benefit from. There are multiple violations within pulling my credit report without my authorization including the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer or Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I would like the fraudulent inquiries removed off of my credit report immediately. I feel as if I am being taken advantage of and mistreated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I have been trying to reach the different Bureaus by letter letting them know which information its incorrect on my Credit report since a few months ago, I haven't receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: SC

Complaint narrative:
On XX/XX/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report was obtained by companies I didn't authorize nor benefit from. There are multiple violations within pulling my credit report without my authorization including the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer or Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I would like the fraudulent inquiries removed off of my credit report immediately. I feel as if I am being taken advantage of and mistreated as a consumer.

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 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have called and emailed Fedloan several times about fiing my qualifying public service loan forgivenss payment count errors. I submitted a in school deferment waiver and eqch time I talk to someone they say it will be updated and fixed, but it still has not been. They recieved a waiver for XX/XX/2021 but did not apply it. Then I was told to do another and give also give my verbal okay for it to be aplied. Then it still wasnt fixed. Then tI called again and they said they had 2 waivers and... then multiple calls again .... to no avail of it actually being fixed. The last time I spoke with them they said the people that fix it probably saw the wrong form and didnt fix it and that she would notate it. It still hasnt been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX XXXX on XX/XX/2021. This letter was dated XX/XX/2021. It claims it is an amount owed to XXXX XXXX XXXX XXXX which I never received a bill for this amount. I closed my account with XXXXe on XX/XX/2021, and never received a final bill from them. The first bill I am receiving is this collection letter, which has no detail as to what the charges are for. Upon attempting to contact XXXX, I was told that I no longer have access to information on my account, due to it being closed. I do not believe this collection notice is justified nor legitimate, as XXXX has made no attempt to inform me of these charges.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
After receiving notice from a different debt collector regarding a debt of {$210.00} they were trying to collect, I sent a letter noting that I do not have any responsibility for the debt for which they were trying to collect. I then received a letter from Resurgent Capital Services dated XX/XX/XXXX for the same debt, stating that unless I notify them within 30 days after receiving that notice that I dispute the validity of the debt, they will assume the debt is valid. They sent another letter dated XX/XX/XXXX, which included a copy of a bill from XXXX for someone with the same name as me, but for an address, state, phone, and account that did not belong to me. I sent a letter dated XX/XX/XXXX, stating that the debt does not belong to me and I have no responsibility for it. I noted that none of the information in the billing statement they provided corresponds to me. I requested that they send a letter stating that they agree this debt does not belong to me within 30 days of receiving my letter. I also requested that they stop all other communication with me. I also requested that they not forward my information to another company and that they notify the other companies mentioned that this debt is not mine. I asked if they had reported this to a credit bureau that they notify them that it does not belong to me and to remove it from my credit record. I let them know that they have no permission to use the information I have provided for any other matter at any time and requested that they remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX. That letter included the same information that was included in the one sent XX/XX/XXXX & XXXX. I sent another letter on XXXX XXXX, XXXX, stating categorically that this debt does not belong to me. I stated that none of the information in the billing statement provided corresponded to me. I have never lived in that state, I have never had a phone with that area code, I have never had an account with the original company with that account number and that I owe them nothing. I once again iterated that they should stop all communication with me in any form and to notify the other company ( ies ) that this is not my debt. I also stated that they have no permission to use the information I have provided for any other matter at any time and to remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX, stating that they have initiated a review of the inquiry recently received. 

Additionally I believe they either shared or sold my information to another debt collection agency which has now contacted me regarding a different debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been dealing with Transunion, XXXX and XXXX of a medical bill that has been paid but still remains on my credit, I have sent them documentation only to be told that it would remain on account, this item needs to be removed immediately from all three of my credit report, there is a o balance paid in full

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 2021-10-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I entered into a contract with a company named XXXX XXXX for {$10000.00}. I cancelled the contract within the 3 business day requirements. Chase has not supported me and my dispute of that charge. I do not agree with Chase not honoring my cancellation. In a letter, dated XXXX XXXX, I also included the dispute about lack of services. It has now been 7 months with no services. Numerous letters, including extensive packets of documented evidence, were sent to Chase Executive Disputes, XXXX, FTC, Attorney General, and XXXX XXXX XXXX XXXX. This is clearly a case of fraud and Chase will not address the fact that I have paid {$10000.00} for nothing. Chase continues to refuse to properly investigate this scam. I have been bounced to FOUR different executives and they all gave the same " pat answers '' that included their reading of the verbiage of the cancellation policy ; NOT anything about the lack of services. A FIFTH executive did re-dispute my claim and actually, upon my STRONG request, read out loud the sections of my evidence which point to the lack of services. That re-dispute has been ended and the reason, once again was about the cancellation. It's obvious that my packet of evidence has not been researched. It appears that Chase is unable to recoup the funds and is going after me as an easy target.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital one placed a 7 day hold on payments to my account. This information is not in there terms and conditions. The terms and conditions state within 24 hours. They placed a 7 day hold on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

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 2021-10-21 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: NY

Complaint narrative:
I mailed two letters to USA from XXXX about 5 weeks ago XXXX has not received letters I made dispute about this already and {$12.00} was credited due to services NOT rendered Now I see rebill XX/XX/XXXX for {$12.00}, WHY? 
If XXXXXXXX XXXX has found my letters please let me know! 
If XXXX post responded, may I see response! 
What is going on, why rebill for lost delivery when 5 weeks nothing has arrived PLEASE CREDIT ONCE AND FOR ALL OR SHOW XXXX XXXX RESPONSE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank scheduled a closing for XX/XX/XXXX for the purchase of a second home ( loan number ending XXXX ). All necessary parties were at the office waiting for Citibank but they were unable to fund and the closing had to be adjourned and rescheduled for XX/XX/XXXX. I was charged additional fees from seller 's attorney, my attorney, as well as the title company for the lost time because of the failed closing. I filed a complaint with Citibank and after much prodding a manager finally called me to apologize and to let me know that Citibank will provide monetary compensation for the snafu. I received a credit on my credit card for {$780.00} on XX/XX/XXXX and assumed that was the monetary compensation they spoke of. I emailed the manager who called me on XX/XX/XXXX to alert him that the refunded amount did not equate to the additional charges I was assessed. Additionally, I had a refi application ( loan XXXX ) for my primary residence from XX/XX/XXXX that is still pending. He responded on XX/XX/XXXX that he has put a rush on my refi application and that he will look into the credit for loan XXXX. 

After weeks of waiting and not getting a response regarding my refi application, I filed a complaint with CFPB. In Citibank 's response to my complaint XXXX, they claimed that my loan was cancelled due to missing paperwork and that the application fee of {$780.00} was refunded in XXXX. This is when I realized that Citibank never kept their promise regarding the reimbursement of fees for the loan associated with the purchase of my secondary home ( XXXX ) and are now lying about the refi to cover up their mishandling of my application. 

Citibank claims my refi application ( XXXX ) was withdrawn in XX/XX/XXXX due to missing paperwork and a new application ( XXXX ) was resubmitted on XX/XX/XXXX. In my conversations with Citibank at the time, they told me that the loan was resubmitted because they were migrating to a new platform and that I do not need to worry because I will not lose my place in the queue. They also claim that my application XXXX was cancelled due to missing documentation. The last correspondence I received from their loan processor was on XX/XX/XXXX confirming receipt of the insurance information they requested. I continued to follow-up with Citibank for a loan status and In no point in time did Citibank notify me that any documents were missing or that my loan was cancelled. I had to learn of this on XX/XX/XXXX through their response to my CFPB complaint that my loan application was cancelled on XX/XX/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 monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NJ

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: HI

Complaint narrative:
I opened three accounts at AXOS bank in XXXX XXXX, CA online. One personal and two business checking accounts for an accounting practice and one for a non-profit. The bank locked our account several times, allowed fraudulent checks to clear ( reported to FTC ) and refused to accommodate my medically documented hearing impairment after I requested email or text messages. The bank then notified us that they had " closed '' the account after refusing access to our funds, around $ XXXX total. An employee called their number but they refused to return our funds or transfer to the requested account. They have kept our the funds for several months after closing the account and refuse to update my account for a new adress, sending paperwork deliberately to the old addresses to avoid returning the funds. As a result I was unable to rent an apartment during the pandemic thereby suffering homelessness and health issues, my credit card bills that were on autopay were unpaid causing damage to my credit, both of my companies suffered tax and employee filing delinquency and penalties as a result of the bank locking and then closing our account after their security failed to detect thousands of dollars of obviously fake checks being written from the account. They need ton return the money from all three accounts to the correct adress immediately and refund all fees incurred. Also they need to refund the hundreds of dollars worth of fees for " retired items '' due to the " locking '' of the account without our knowledge causing scheduled bills to fail

Company response to consumer: Closed with explanation