vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
In XX/XX/2021 I checked my credit report and I found that Credit Collection Services was reporting an account on my report. This account reports that I owe them {$500.00}. I sent them an Affidavit with very specific request as to verification on this alleged debt. The received my letter on XX/XX/2021 via certified mail ( tracking # XXXX. ) Credit Collection Services responded by sending me a printout of a billing statement. On XX/XX/2021 ( tracking # XXXX ) I sent them another Affidavit with an opportunity to cure, in case they were remiss in responding to the first letter I sent. Credit Collection Services responded with a dunning letter, again ignoring my very specific request for verification. On XX/XX/2021 ( tracking # XXXX ) Credit Collection Services received another Affidavit requesting verification. Again Credit Collection Services sent the same dunning letter. At this point, Credit Collection Services are in default. Credit Collection Services has violated I am demanding that this account be permanently deleted from all of the major credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not recognize these hard inquiries on my TransUnion credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either .

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 2021-10-13 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: IN

Complaint narrative:
I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or Equifax either .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from Experian, or XXXX either .

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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The payroll department ( my employer ) has brought to my attention I have a new garnishment. When looking into it I found it was for an unpaid balance on a XXXX card. I had 4 credit card balance, XXXX being one of them, that were paid in full XX/XX/XXXX. In XX/XX/XXXX, we paid {$6700.00} to pay the XXXX credit card in full and closed the account. Now I'm being told I owe over {$700.00} and my check will be garnished in the amount of {$380.00} at the end of this month if I can't provide proof. It was so long ago I'm not sure how to do that. I know in XXXX my mother wrote the check in the amount of XXXX but no longer have proof of the account being closed as it was over 15 years ago. Also my employer said that I paid {$4.00}, xxx toward this debt in XXXX and XXXX. I was overwhelmed with medical debt at that time and didn't question it. I feel I do not owe the $ XXXX the collection company is trying to obtain from me as we as the {$4.00}, xxx I have already paid. Please help! The debt collector company number is XXXX and email : XXXX Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
It seems I no longer have access to my personal account on Coinbase. 
The first time I tried to access my account and failed was on XX/XX/XXXX or very close to that date. My password does not work. I have not changed it. When attempting to change my password I have not received an email, after clicking on send email. After clicking on resend email I receive a message saying please try again later.

I have not received any response or communication from Coinbase after repeated attempts. When attempting to file a complaint on their site I am required to include a ticket number which I have been unable to obtain as Coinbase has not sent me a reply. 
I have been unable to access my funds for close to a month. Which, from my point of view is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This collections is not from original creditor. I do not owe FirstPoint Collection Resources , Inc. at XXXX XXXX XXXX, XXXX, NC XXXX any amount. They may allege I owe the {$1100.00} the sum of {$470.00}, {$330.00}, {$300.00}. I never heard of FirstPoint Collection Resources , Inc.. I never did a contract with them. I ask them how they got my private information without permissible purpose from the consumer. I ask them valid questions regarding this alleged debt. They have not responded with any valid information. They have willfully report, reported, and continue to report inaccurate and incomplete information and are in violation of 1692g ( b ) & 1692e ( b ). They have removed two of the alleged collections {$470.00} and {$300.00} yet one {$330.00} still remains. The removal of this information is proof that I don't owe them anything as these alleged debts. I have suffered emotional and financially because of this situation. I am hurting and XXXX I need help because they won't remove it. My credit suffers from this! This has been going on for months. I have suffered deeply from this and the covid-19 pandemic as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MI

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: HI

Complaint narrative:
On XX/XX/2021, I rented a car from XXXX. When I arrived at the car rental building at the XXXX XXXX Airport, the usual office where one would fill out the paperwork to rent the car was closed and there was a sign on the window directing me to go upstairs to the XXXX kiosk on the second floor. So thats where I went to get my car. 

I signed the contract for a XXXX XXXX. The rental agreement had an estimate of {$350.00} with a deposit on my Chase card for {$420.00}. I signed the tablet and went on my way. I returned the car on XX/XX/2021 and assumed all was well. 

On XX/XX/XXXX, I noticed that my card was charged XXXX. - four times the amount of the estimate. I called XXXX that day and was told they would look into it and call me back in two to three days. No call. I called again on XX/XX/XXXX and was told I rented an exotic car and that was the reason for the higher amount. A XXXX XXXX is not an exotic car. 

I then called Chase Member Services and they put a hold on {$1200.00} - the difference between {$1600.00} and the estimate at {$350.00}. They sent me a form to fill out and fax back to them which I did on XX/XX/2021. I also sent a copy through regular mail. 

On XX/XX/XXXX, I called Chase and was told that the documents had arrived and that I would hear from them in 72 hours. I received a letter via the Chase website letting me know that this was being researched. 

On XX/XX/XXXX, I received another letter from Chase stating that my claim is denied. The letter was 24 pages long and contained the final billing from XXXX. I called Chase and was told that I needed to respond by letter to reopen the investigation. 

On XX/XX/XXXX, I emailed and faxed a letter to XXXX and Chase Card Services. I am now awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I paid off my mortgage on XX/XX/2021. I am owed a refund of {$4500.00} ( as well as payoff confirmation letter, promissory note, etc. ). It is now XX/XX/XXXX and I still have not received anything from Flagstar Bank. Their website has a chat with customer support feature but every single time I check it says unavailable.

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 2021-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CO

Complaint narrative:
In the background check it says I have an active warrant for something that happened a long time ago and the case was dropped and dismissed I have no idea why it is still in the system please look into this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Re : CapitalOne credit card account On XX/XX/2021 I had a payment due on my Capital One Credit Card. I tried to login to CapitalOne 's website at XXXX XXXX  EST but their login systems were down. The login message stated that the login was incorrect, and they asked me for a correct Password. I tried to log in again at XXXX and XXXX XXXX  EST but received the same message. I called CapitalOne but a voice message said wait times were over 25 minutes. I could not wait on the phone. Finally at XXXX XXXX  EST I was able to successfully login and make a payment for the full balance of {$8000.00}. The deadline for credit card payments was XXXX EST. I tried to call again, and Capital One at XXXX EST but the voice message said hold times were 25 minutes. Several days later, I learned that Capital One was forcing everyone to change their password. The reason I know is because I tried logging into another account, on a different computer, and received the same message. My XXXX statement showed late fees and interest charges of {$180.00}. On XX/XX/XXXX I phoned Capital One. This time I waited almost 30 minutes. I spoke to XXXX and her Supervisor XXXX. They were very nice. XXXX was able to reverse the late fee but was unable to reverse the interest charges of {$140.00}. XXXX said she agrees with me and even encouraged me to file this complaint. To add insult to injury, Capital One charged me another {$72.00} on my XXXX bill. I am not responsible for Capital One 's Internet problems. Please research why Capital One has a policy of not refunding interest charges, even when the late payment is their fault. Please have Capital One refund all interest charges and late fees. The total for paying the bill, 2 1/2 hours after cutoff time, due to their internet problems, resulted in 2 months of interest charges and late fees totaling to {$250.00}. I always pay my bill in fill, and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: UT

Complaint narrative:
In XX/XX/2021 I had received an email from my credit union that XXXX XXXX  had taken a XXXX dollar payment that I didnt make! I saw two other returned payments from them! I called XXXX XXXX immediately and they told me they would do an investigation for account take over. XXXX XXXX  told me to call my credit union and tell them to return that XXXX payment and I did. I never heard back from XXXX XXXX, they never sent me any statements - no letters. And they charge off my account! Now my credit is ruined! They told me theyll delete the trade line and its still there. No one has any updates every time I call!

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 2021-10-13 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: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
I installed solar panels on the roof of my home and Goodleap is the business who my loan is with for the solar panels. I didn't even know Goodleap existed or had anything to do with my solar panels until XX/XX/XXXX. However they state I had a payment due to them on XX/XX/XXXX. I did not receive an invoice from them, an email or a phone call. The closest was an email XX/XX/XXXX ( first email from them ) stating to call them about the status of my account ( no late payment information or invoice ). Then I get an email stating I missed a payment on XX/XX/XXXX, in which I immediately enrolled in automatic payments. They never discussed anything with me other than send another email to me after I already paid them, stating I hadn't. Yet my money was taken out of my bank account. Now they added this erroneous payment to my credit score and it lowered 110 points due to their lack of service. They now refuse to answer me yet take my payments without issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am deeply concerned about the lack of access to my personal account statements through my loan servicer, Navient. 

Unfortunately, Navient only allows access to monthly statements within the last 12 months in your inbox through their website. Thus, I sent an email requesting that all of my monthly statements from XXXX  until current be sent to me so that I can keep accurate records, especially in the setting of Navient 's lack of renewal with the US Department of Education.

Their first response to my request did not answer my question in the slightest, so I was forced to send my request again, only to be told I have access to only 12 statements. 

I am alarmed that I am being denied access to my own personal information about past payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We had a leak from our roof and the insurance company sent a check in both my husbands name and mine, I checked to be sure I could do a mobile deposit that the check amount was not too much and it wasn't. We both signed the check and I deposited into my bank account and got confirmation that it was accepted. The next day the money was gone and we are talking $ XXXX. I called Bank of America and was informed it was the insurance company. When I got to work, I called the insurance co and they said it was not them. I called a local branch of BOA and was informed it was because my husbands name was not on the account. We made an appt and went down that day to add his name. We were told we had to wait for a letter in the mail and then come back down. This was about 4-5 day delay. We received a letter from BOA and we went immediately to the bank and was then informed it was not the letter that we would get another one. No way we were told there would be 2 letters. In the meantime we had the roofing contractors here as weather was changing and we were trying to work in between rainy days. I had to go take money out of my account ( this $ XXXX was not back yet ) and get a cash advance on my credit card. I had no other choice as the contractors had to get paid. It was later remembered that I did a mobile deposit so there fore I had the check and then I was told to come back down to redeposit it. I could have done that a week before but they told us I had to wait for a letter. I don't feel I should be penalize {$160.00} cash advance fee when all of the errors were committed by employees of BOA. It was one error after another. They never sent me an email or text stating why the money was removed. All it said on my account was amount correction. I get text and email alerts on transactions of less and this should have been a phone call. I have tried to talk with BOA branch employees and they tell me its the credit department that has to waive the fee. When I called the credit department they said it was a legitimate charge that they did not make the error but I said you are all BOA employees so I still feel the charge should be removed. I want this account closed but I am not paying that fee. I already paid back the cash advance so this fee is the only thing on the card.

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