vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NV

Complaint narrative:
AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was on vacation for the weekend when my phone was stolen along with my wallet which contained my debit and credit card on XX/XX/2019. At the time, I was unaware that the items had been stolen until a few hours later. Upon realizing the items had been stolen, I logged on to XXXX and discovered the thief used my phone to transfer {$3500.00} dollars from my savings to my checking and withdrew in increments of {$500.00} seven times for a total of {$3500.00}. The thief also cash advanced off of my credit card for {$200.00}. The unlock code for my phone screen was the same as the four digit number to access my mobile banking on my phone which apparently was used for the transfer. The same four numbers were also the PIN for my debit card. If the thief had one code they had them all and were able to freely operate my account. I immediately called USAA to report the fraud after discovering this on XXXX. I then visited the local Police Department and filed a report. USAA opened an investigation in to the fraud and sent me an email saying they determined the transactions were not fraudulent. I believe that the reason for determining the transactions were not fraudulent was that the thief had access to my mobile banking as well and could have accepted the security messages that were sent regarding suspicious activity during the time of the transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques
State: CA

Complaint narrative:
In early XXXX, I sent XXXX XXXX an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that XXXX XXXX did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
ARRGON AGENCY INC XXXX XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security credit services XX/XX/XXXX {$770.00} when I check my credit report couple months ago I was this company on my report I sent a letter to verify onXX/XX/XXXX to verify the debt no answer back on XX/XX/XXXX I sent another letter still no answer I started disputed to credit bureau the still updated it but every single mail I sent return unable to delivery trying to called the number listed on my report can available. I ask the credit bureau to reinvested still come back with the same answer, how come Im not able to have the validated the debt but the can verify with XXXX I would a further investigation about this debt please and the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2019, I received an email stating an hard inquiry was pulled from my Equifax credit report. The name of the company is XXXX XXXX XXXX. I submit a dispute to Equifax stating I did not authorize this inquiry and it must be fraud. I received notification from Equifax stating I must call them for more information. I called Equifax on XX/XX/2019 and was told by an representative that Equifax do not investigate hard inquiry and I must contact XXXX XXXX XXXX about removing the hard inquiry. On XX/XX/2019, I called XXXX XXXX XXXX and was told I need to get in contact with Equifax as they do not have any information XXXX XXXX XXXX pulling my credit report. At this point, I am frustrated because no one wants to help me. Please help me and have this hard inquiry remove. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX there is a hard inquiry by ( gm financial ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX and XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXX ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX card ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: WA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-12 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: WA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
had previously used XXXX  and the answer from the mortgage company was incorrect sent into XXXX a copy of the appeal with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/19 my company was presented a US Bank cashiers check in the amount of over fifteen thousand dollars. The customer wished to purchase goods. 
Our standard business practice is to call the issuing bank/ branch, and ask them to verify that they issued the check. 
The XXXX XXXX  Oregon branch of US bank I called was most unhelpful. The woman informed me, that they do not verify funds any longer. 
After several minutes of me insisting, and continually reading off information from the check, she finally admitted that she issued that check, but told me that this will never happen again, as her bank has a policy against verifying cashiers checks. 
Rudeness aside, this is a very troublesome policy, because in this age of fraud how is a consumer supposed to stay safe? 
By the way ... did I mention that I am a business customer at US bank?

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 2019-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On or about XXXX of XXXX I opened a secured charge card account with Capital One. I deposited {$500.00} and was given a {$500.00} limit. I made several payments for 6 months. From the best of my recollection, I did not receive statements several months. I paid using a phone call in and gave check number. Sometime in XXXX of XXXX I realized that late payments hit my credit report. I called Capital One sometime in XXXX to cancel my account and use the money on deposit and close the account. 

Capital One never sent me back the deposit, which was fine as I figured they used it to pay the card off even though I don't think I charged {$500.00} I never thought about it. I have credit and pay most everything with check or debit cards anyway. Several months ago I was offered several credit cards and accepted them. That prompted me to check my XXXX XXXX which was at XXXX. However, I noticed I had XXXX closed accounts, XXXX car payment with 100 % payments on time and this Capital One. 

The car payment account was fine with 100 % of payments on time. But when I looked at the Capital One account it had a string of late payments and closure of the account by the lending company. 

According to Capital One 's reporting I paid XXXX and XXXX of XXXX on time, but was 30 days late in XXXX and XXXX, and on time XXXX and XXXX. in XXXX they marked XXXX late payments. But I asked them to close the account in XXXX with the funds I deposited. 

I tried calling Capital One to get this resolved and see what happened to security deposit and they said they had no record. Perhaps the people that take calls are not allowed that access. 

Anyway, while this is only a {$500.00} item and will come off next year anyway I would like my record to accurately reflect what happened. While I can not remember the details to dispute the XXXX red marks in XXXX I absolutely recall telling them to close the account. I also sent a letter based on what I was told at the time. 

Thanks, and any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Last year ofXX/XX/XXXX Midland Funding put a hold on my bank accounts ( 2 ) we came to an agreement that if i got on a payment plan with them they would release my bank accounts. i paid {$620.00} first 2 months and after that the agreement was {$150.00} every month. it is now XX/XX/XXXX and my bank funds have not been released and i have been making my monthly payments with them. ive tried calling and they give me the run around. they did not keep their word and i am still unable to use my bank accounts. while they are still getting their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank states on their own website that they will not charge an overdraft fee for transactions under {$5.00}. I had a XXXX XXXX charge go through and they charged me the {$35.00}. They do this all the time. They lie. I want my {$35.00} back. They should not be allowed to do this. If they do it me they do it other people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought an item at Best Buy Stores, and it was 0 % interest for one year. I have very good relationship with Best Buy Stores at XXXX CA XXXX. 
For some reason, I usually get a notification letter or email from Best Buy credit card financial services within 2months, notifying me of my promotion that getting expired. I have been very sick and for this reason, I made a direct withdrawal payment process from account, since I have ran into situations that I don't get my statements from Best Buy credit card company. 
Now, I did never got my statements and did never, never got courtesy reminder letter or email, like I use to, from Best Buy credit card company to alert me of upcoming promotion that will be ending soon, especially with the good relationship I have with this company. 
But to my greatest surprise and shock was that I got an email from Best buy to notify me of applying interest amount to my balance. I called to discuss the issue with services, appealing to have me pay off the balance immediately and to reverse high interest that applied to my account. Also, explained my devastating health issues and challenges. The lady I spoke refused to understand or help out. 
I, requested to speak with the Supervisor and explained the above situations and again, she declined to assist to work out something, even though I appealed and requested to pay off the entire owned on the XXXX and that I never received any courtesy reminder letter as I used to, like I used to. But, it seemed like a clear game and intentional act to avoid notifying or sending a courtesy letter, to enable them apply the high interest to my account. 
Please, I am appealing to Best Buy financial services that I have no source of paying this high interest. My devastating health situations had forced me to loose my full time job and actually struggling financially, physically, emotionally, inorder to make both ends meet. Please, I appeal for to reverse this extra charges and give me the opportunity to pay off the entire amount owed immediately, please that is all I ask for, please. Thank you so much for your cooperation and understanding on this case.

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 2019-09-12 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: CA

Complaint narrative:
I mailed in a dispute to Equifax CRA to dispute an inaccurate account. Equifax then responses that they could not locate my file in their database and needed to confirm my identity. The thing about it is that I sent a signed and notarized copy of my California drivers license and copy of my Social Security card along with my dispute letter. Despite their claim, they placed a pre screen opt out on my file. But they couldn't find my file though. Not sure how both of those statements could both be true. Placed an opt out on a file that they could not locate. 

So, I got another notarized copy of an updated dispute letter which contained, once again, a copy of my California drivers license and Social Security card. This time Equifax completely ignored my dispute and only sent me a copy of my report. Once I get the report I see that they have my address as " XXXX XXXX XXXX '', and my license reads " XXXX XXXXXXXX ''. I send in a dispute letter disputing the account that I was originally disputing as well as disputing the misspelled address. Equifax then sends me a letter stating that they can't find my file, again, and that my ID has to match there records. I thought that their records had to report MY information correctly, not the other way around.

It seems that I'm stuck in a catch 22 here. I need to correct the address that Equifax is reporting, but I can't dispute the incorrect address unless my address matches THEIR records even when I send in copy of my California drivers license, Social Security card, and a current credit card statement along with my dispute letter. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
Yesterday I received a court summons filed by Levy & Associates, LLC who represents XXXX XXXX XXXX in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the XXXX  XXXX. I had explained also that XXXX XXXX XXXX was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.

Company response to consumer: Closed with explanation