vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: MI

Complaint narrative:
XXXX is currently trying to fine me {$6000.00} for 2020 summer hospital charges. 

I have 2 issues. 

# 1 : I do not think they are billing my insurance correctly/ethically # 2 : I do not think I should have received additional care at XXXX XXXX. I was originally discharged at XXXX of XXXX XXXX but due to certain circumstances, they forced me to get further treatment at XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One still keep my credit card restricted after I submitted requested Driver License as proof of identification more than 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: GA

Complaint narrative:
I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AZ

Complaint narrative:
On XX/XX/2021 I received an email from XXXX XXXXXXXX Personal Loans congratulating me on my purchase of XXXX XXXX XXXX. The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to XXXX XXXX, the line of credit approved was for {$1600.00}. I do not own an XXXX  or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX. 

I took action freezing all of my credit reports and filed a report with Equifax to dispute the inquiry. Equifax denied the dispute. Upon calling Equifax, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: VA

Complaint narrative:
On XXXX XX/XX/2021, I received a letter from a debt collector ( RFGI ) that I owed {$230.00} to a company named " XXXX ''. I immediately tried to call eharmony but there were no responses nor any valid online phone numbers. I followed up with a call to RFGI which I informed them that I did not have any services with XXXX. That same day, I filed a file report to notify my local precinct that my identity had been stolen to create this account. The case number is XXXX. 

I am requesting that your agency notify RFGI and XXXX that any charges are identity theft-related and should be removed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Hi FAIR COLLECTIONS AND XXXX XXXX XXXXXXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-06-21 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: VA

Complaint narrative:
Barclays abruptly closed my account with balance I have XXXX worth of reward points they refuse to credit to 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 2021-06-21 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: SF VAGO, LLC
State: FL

Complaint narrative:
I have a loan with STATE FARM BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called STATE FARM BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and STATE FARM BANK with no successful resolution. XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX Capital one, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXXXXXX XXXXXXXX XXXX  , Capital One Auto Finance, XXXX XXXX XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ally Finance c/o GMAC Auto. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, 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 2021-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting lates on my accounts for 2020. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Capital One please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Re : NATIONSTARMORTGAGE/Mr. Cooper XXXX XXXX To whom it may concern : I am submitting this complaint to address the following issue : The above mentioned company submitted Incorrect Information to credit reporting agencies and failed to correct it.

1. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

2. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

The information is inaccurate. 

Payments were posted in the timely fashion to the account on XX/XX/XXXX and XX/XX/XXXX as per NATIONSTAR MORTGAGE/MrCooper records. 


Under the FCRA : It is the responsibility of the mortgage services to furnish only accurate information to the Credit Reporting Agencies.

It is the responsibility of the mortgage services to correct inaccurate information submitted to the Credit Reporting Agencies.

It is the responsibility of the mortgage servicer to conduct proper investigation of the dispute.

The information provided to the Credit Reporting Agencies should be substantiated by the records when it is furnished. 


Under the FCRA, both the credit reporting company and the information provider are responsible for correcting inaccurate information. 

It was a horrible shock for me to discover that my credit rating is damaged after having an excellent credit reputation for many years. 
I am experiencing considerable embarrassment having to explain to my business associates my situation with the credit rating. 
I am also forced to spend a considerable amount of time disputing inaccurate information and protecting my good name and reputation. 

I am ready to address the above matter to the Court of Law and file Defamation of Character charges against NATIONSTAR MORTGAGE/MrCooper if necessary. 
Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses. 
( United States Court of Appeals, Fifth Circuit, Case No. 91-7142, John STEVENSON vs. TRW, April 1, 1993. ) Feel free to contact me via XXXX. 

Sincerely, XXXX. 

XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
At the end of XXXX, Chase Bank allowed for the first of two fraudulent {$1200.00} checks to be cashed against my account. I have had 4 previous issues with this account and fraud occurring. On XX/XX/2021 I had a meeting with Chase asking them to add security measures to my account, including photo verification on any withdrawals, yet these instances of fraud continue to happen. Now Chase has told me that I'm going to be responsible for these two most recent fraud transactions which I can not afford and I should not be responsible for per my understanding of FDIC rules. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Net Credit is reporting a late notation on XX/XX/20 and I ask that they please remove it. Due to Covid, I was severely financially impacted as my employer cut my hours unexpectedly. I was thankfully able to pay and get all caught up but I was just caught of guard for that month. I have never been late before and have not been late since. I ask that Net Credit please make a one time goodwill adjustment for the late on the account. I am now in a situation where I can buy a home and this would be a big help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NY

Complaint narrative:
I have a collection on my account from a credit card that was fraudulently charged I have tried to get this removed numerous times The company has constantly put it back on my report I have tried contacting them for years but have never heard back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I received a Cash App Cash Card mailed to my address in my name ; however, I did not open a cash app account. I received the card on XX/XX/21 and I contacted the company on XX/XX/21 to attempt to close the account and ensure the card does not get activated. The Cash App customer service number that I called asked for my email to be able to send me a link to submit my information to " deactivate '' the card. I told them I did not want to share any more information since they already had my mailing address, name, and now through my calling they had my phone number. They assured me that the only way to deactivate the card was to send me an email with a link. I declined this as it sounds like a scam attempting to get more information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I already have one complaint in process. I received a call from XXXX XXXX ( Regulatory Compliance ) from Credit Acceptance Corporation. She called to let me know that an investigation had started from mynprior complaint. She began to ask me questions that already had documented answers. I have no time to be interrogated because of miscommunication with Credit Acceptance Corporation. Then to make matters more frustrating I received a letter saying that I owed {$150.00}. Please help in resting this issue. I do not wish to be contacted by them again

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 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I submitted a transfer request from my Axos Bank XXXX XXXX accounts to my personal checking account. The amount of the transfer at that time was {$890.00}. Since then the value of the account in question has risen to just over {$900.00}. Regardless, I've been waiting on my money for over a month and even according to their own agents the transfer shouldn't take longer than 5 days. After several attempts to reach someone at Axos bank, I spoke with an agent named XXXX XXXX at Axos bank on XX/XX/2021 and was told that he would follow-up on the matter and re-adjust the transfer request to cover the increased value of the account since making the request and would follow-up with me. I've since called back 5 times and can not get through to anyone who is able to help and no one is returning my calls. I would have no need to call if they simply gave me my money which has been a pending request for over a month. 

This bank - which bought out the bank that was originally the custodian of my account has caused nothing but problems since its take over. The services have gone down hill drastically ( and the predecessor bank was a small operation ) the reporting is awful and the website they've chosen to replace the preexisting website is full of inaccuracies -- which is obviously no way for a bank to operate. Please help. This has gone on far too long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
A complaint was filed last year XX/XX/2020 against National Credit Adjustment and they indicated they would send validation of the debt. They responded that they were requesting documentation from the original company and would forward the information to me. I HAVE YET TO RECEIVE ANYTHING FROM THAT COMPANY!! I also send them a letter last year requesting the information and still nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This phone bill was not mine and the company Jefferson Capital that took over can not provide proof its mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX is showing a debt that is not mine. I have requested Experian to remove this debt but they did not remove.

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