vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control Company, Inc.
State: AR

Complaint narrative:
Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Credit Control Company. I have reached out via mail with both the three major consumer reporting agencies and directly with Credit Control Company.  I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Credit Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Credit Control Company. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Credit Control Company must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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:
Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I have wrote this company MediCredit inc, & requested for them to remove This alleged bill from all 3 bureaus. I received serval letters in the mail from MediCredit, INC and I have yet to establish true accuracy and validity of debt, which I requested. My issue is the inability to provide legal proof of the ability to collect debt within the state of South Carolina. I have thoroughly reviewed this company 's unethical practice, no proof of related documents, nothing bearing my signature. This company MediCredit pulling my credit down, I want this company investigated and need this removed from 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 2020-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I made a dispute on XX/XX/2020 the bank asked me to send a dispute form which i did. The same day the responded with an email telling me that my temporary credit would be back into my account by XXXX which was a total of 10 bussiness day but when i called bank they said that they didnt receive my dispute form that they only had received a link. I had spoken to them all they way up until it was time for my provisioner credit to be released they ensured me that i would have to wait to the end of the 10th bussiness day which i did and i still havent received my money this isnt the first time bank had did this. They told me that i submitted my form late which i didnt and that i would receive and email which i havent. If these things are not done i will be seeking legal advice and sueing company for not following laws. Your company was given everything asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 I sent a wire transfer of {$3400.00}. dollars from my bank XXXX XXXX XXXX XXXX in New York to a Bank of AmericaI account in XXXX XXXX Texas. I was lead to believe by sending the money, to a legitimate Bank of America account, I was safe from fraud. Sending the money meant, I was basically signing a lease agreement for the apartment. I received the banking account information from the person I believed I was renting the apartment from. I was not informed by my bank that wire transfers were not protected from fraud nor did I think that someone could have a fake account with an actual bank in the USA. The person on the receiving  end used stolen information to illegally make a bank account with Bank of America in order to receive funds, which I didnt know was possible considering all the identification checks they do when opening an account. By the time I was supposed to move in to the apartment, a month had already gone by. When I realized I was scammed I filed a police report and the police indicated that the funds had already been withdrawn and the account was closed. Bank of America claims they are not liable to refund me my money. And my bank, XXXX XXXX XXXX XXXX is not doing much to help me get my money back. I was scammed and robbed of {$3400.00} dollars, which is fraud and a federal offense. Due to the circumstances of COVID-19 red flags werent raised when I did not meet this person face to face.

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 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
Second complaint against the company. Garnishment for around XXXX on a bogus debt, agreed to stop the garnishment a month ago and I am still being garnished. Representative from Blitt and Gaines claims they have two other accounts of mine assigned to them and that they are using the one garnishment to pay all 3. I do not know what possible other accounts they have of mine but there is no garnishment orders for the other two and they have not validated these also. They completely lied to you in response to the first complaint. AS you see the attached shows the amount that has been garnished to this point is almost XXXX dollars more than the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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:
Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with validation of debt letter.

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 2020-09-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof. When questioned about this, they decided to not provide proof at all. 

I sent them another certified letter delivered on XX/XX/2020. To date, they have not provided proof of their investigation. They've had over 60 days to send me proof, and they have consistently ignored my requests.

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
XXXX XXXX was XXXX XXXX me on phone trying to get unemployment off debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There was a transaction made with XXXX XXXX without my authorization. I didn't have a physical card with me for that transaction to even be made. I called XXXX XXXX and they didn't answer the phone I called 5 times and nothing.

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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IN

Complaint narrative:
On XX/XX/2020 I seen an account on my credit report for XXXX I dont know who or what company this is. I tried to disputed the account nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
( 1 ) Attached First Qualified Written Request ( QWR ) 's item 7 required Select Portfolio Servicing ( SPS ) to prove its standing to collect Mortgage Payments. Without proving SPSs standing, SPS illegally accessed my Credit report under false pretext and invading my Pr ivacy under FCRA. ( 2 ) SPS is collecting money from me via the Escrow Account, yet refused to pay for Property Insurance that I have with XXXX XXXX, since 2002. 

This is the most corrupt company in US for servicing any mortgage loan by customers ' feedback. SPS 's main business goal is to " fradulently foreclose and seize people 's home ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 ; I received a letter from Bank of America regarding my boat loan Account number : XXXX, stating it was " Past Due ''. I had previously and timely contacted Bank of America on 2 occasions and had been approved for an intial 2 month deferal and and later an additional 2 month deferral due to Covid 19 ( 4 months total ). The representative explained on XX/XX/2020 that due to an error in their system, the second " 2 month '' request was not processed and she would take care of it on XX/XX/2020. I explained concerns about my credit report being affected due to their error, offered to pay the outstanding balance, and she said there would be no problem since it was the last day of the month and they do not report late payments until the next day. The representative processed the deferment and I set up autopay to resume payments on XX/XX/2020. A few days later, I was notified that my credit score had dropped due to Bank of America reporting my account as " late 30 days ''. I called B of A and spoke with XXXX XXXX, Escalations Manager. She found that the second deferment request was not processed at all, had no evidence of it in her system and was unwilling to remove the negative reporting on my account, despite of the mistake made by B of A. I told her I would get her a copy of my cell phone records to show evidence of my phone call a couple of months before and she rejected my offer. I explained that their error was affecting my ability to buy a home and I was going to lose thousands of dollars in a deposit I had made due to my credit score dropping over 50 points due to their error. She said I was going to be contacted by another manager, and they never called 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 2020-09-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After returning home in XXXX from the XXXX XXXX with the military I had canceled the monthly fee of {$34.00} with XXXX so no more charge would accur as I was leaving to go home. Two months after being home I see a XXXX and XXXX charge of {$34.00} on my Capital One Bill. Then in XXXX as well a charge of {$99.00} from XXXX with no consent of mine. I called XXXX and they said yes it was canceled and to contact capital one. I closed my card and they said they would take all charges off and issue me a new card. The new card came and I did not activate it. Then the charges appear again. No one even had my card numbers. I called Capital one again they said they would send out paperwork to remove the charges. I asked them to explain to me how these companies keep getting my new card when it was not even activated. They said it was " MASTERCARDS FAULT FOR GIVING OUT MY INFORMATION '' I have never heard such a thing. This is beyond Fraud this is Theft on Capital one and Mastercard. How can they do this to people. Here we are XX/XX/2020 and the both {$34.00} and {$99.00} charge are back again on a new card with new numbers at Capital One. I called for the third time and they said did you get the paperwork. I told them I just received the one for the two charges of {$34.00} but nothing for the {$99.00} one. They transferred me to a supervisor who was very rude ( calls are recorded please get a copy of this ). She was of no help I told her these charges have better be removed and I will be sending in everything they ask for. I told her at this point cancel my account as I always pay in full. I will not be paying the two {$34.00} and the {$99.00} charge as this is Fraud. Why do we have laws if they are not there to protect us. Capital One and Mastercard are fraudulently given consumers credit card information to creditors. This is against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09 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: VA

Complaint narrative:
Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with Validation of debt letter.

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 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I saw on my credit report a collection line item for roughly {$120.00} with Medical Data Systems of XXXX XXXX, FL. I contacted them in XX/XX/2020 in an attempt to clear this from my credit report. I paid what I was told was owed ... .roughly {$120.00} My credit report then showed a new {$9.00} balance with them. I called again to pay this {$9.00} balance and was told there was a new balance of {$27.00}. When I disputed both the {$9.00} charge and the {$27.00}, I was told that they may not have received the debt the last time I called and that is why I was not notified of the debt. I said I wanted to clear the {$9.00} line item from my credit report. 

The representative advised that I would need to pay the debt and send a copy of my end of month credit card statement to Medical Data Systems in order to receive a XXXX balance letter. The doctors that reported this debt, I had not seen in 2 years ... it made no sense why my balance with Medical Data Systems would increase over the period of one month. Also, I do not understand why a receipt of payment is not forthcoming.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have been paying my mortgage bi-weekly with payments coming right from my checking account. 

They continually keep putting payments to the principle and it causes my mortgage payment to show late on their website. So, I have had to deal with late fees which they said would be reversed but haven't. I have been going around and around with them since last year. 

Since XXXX, I have really been trying to get this resolved. I contact them through email because I have hearing issues and I like to have everything documented. 

I have a years worth of payment history from my bank and their website and all emails sent and received as proof. I have sent them everything but it's the same thing over and over. And, every payment made by my back clearly states what is to go to payment and what is extra to principal. 

This what their website is showing and why my mortgage is running 9 days late now! 

XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$180.00} XX/XX/2020 Mortgage Payment {$1200.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Investigation took more than 30 days
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 : A person with a fake check went into XXXX and cashed a check drawn on the check. To my understanding he was able to get money in the amount of {$390.00} in a combination of goods and a gift card. The check was presented to Chase bank on XX/XX/2020 for payment. The alert came to my phone by account was overdrawn by XXXX @ XXXX XXXX. 

I didn't expect for XXXX to know it was a fake check, but when the check came to the bank to be paid it should have been immediately flagged. It went through the bank to be process for payment., thus the overdrawn alert. 

The stress and fear that came with this alert was insurmountable : Questions as to whether my other accounts could be targeted and compromised. Its too hard to get answer from the claim/fraud department on hold for over 30-1 hr. Haven't had a follow-up call or email.

Company response to consumer: Closed with explanation