vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX living on XXXX XXXX XXXX XXXX., XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. My cellphone number : XXXX. My emai is : XXXX. 

Home Depot charged my credit card for an installation that didn't happen at my apartment neither i signed for it. 
At first i tried to solve it directly with them but they didn't care to fix it, I took them to court and the Judge ruled on my favor saying that " I was improperly charged '. 
I called the 3 different bureaus to remove that account on my credit report showing them the court papers. The Bureaus couldn't fix my report saying that the creditor ( THE HOME DEPOT/CITYBANK ) still claims the account belongs to me. 

The Creditor is THE HOME DEPOT/CITYBANK : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have disputed this debt many times they have not been able to verify or sent me actual proof it belongs to me but still report this inaccurate and unverified debt to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MN

Complaint narrative:
ok well i have a pre paid paypal account and today just a few minutes ago i got a email saying my new master card pre payed paypal has been activated and i havent activated a any new card plus the paypal card i have is over balance and idk how. so someone keeps activating a card in my name using my email and i cant get through to no one in paypal to help me close the account or deal with the fraud.

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have had my care credit card since approximately XXXX. I finally used it for the first time in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX, CA. 
I only signed for their promotional offer of no APR if I pay my balance within 18 months. 
I did not sign for any other promotional offer especially a card security. 
However, when I finally checked my statement, it shows that I had been getting charged the card security with the amount of ranging from $ XXXX {$42.00} a month without my knowledge. 
Until now, I have {$530.00} balance on my account despite them showing that I have been credited that amount on XX/XX/XXXX. 

The payment due date is fast approaching which is on XX/XX/XXXX and I am afraid this will damage my credit score. 

Please kindly help me with this matter. 

Thank you.

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My identity is a error on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The XXXX is the Michigan State Disbursement Unit, which gives me alimony and child support. 
On XX/XX/XXXX I deposited XXXX checks issued by the XXXX in my Chase Bank Account : Check number Amount Date issued Date cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Not cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Unfortunately, the XXXX had deposited in a pre-paid card the amount for check XXXX which made the check void. 
I currently live in XXXX, taking care of my sick father. I wasn't aware of this check 's cancellation, the XXXX statement can't be consulted in internet when you are out of the country. It has some kind of blockage when checked outside the US. Also, the mail sent to my XXXX address was lost, reason why I changed my mailing address to the one attached. 
Chase blocked my account. 
The XXXX provided me, ends of XXXX, with the dates when Chase cashed the checks. 
The total amount of the cashed checks is {$11000.00} I was required by Chase to physically go to a branch and identify myself and provide all kinds of documentation before I could obtain any money. I repeat, this is child support and alimony. 
I did travel to a branch in California in XX/XX/XXXX, paid for travel expenses. I provided IDs, XXXX statements, divorce agreements, proof of mail address in Michigan, etc. There was not a single document they required that I couldn't provide. 
A couple of days later I received in my mailing address, in Michigan, a check for {$5900.00} from Chase. 
I called Chase about a week later and I was required the phone number for XXXX section employers ( XXXX ) which manages the checks and amounts. Chase indicated that XXXX is working currently from home and have no information about the checks. The Chase customer service person, " XXXX '', was not willing to provide her last name, any name or suggestion on how to manage this issue, or name the reason why they will not pay me the leftover money. Period. 
It seems as if Chase still had to confirm I deserve to have the amounts. 
They still owe me {$5200.00}. I am being charged with interests for the money I owe due to this deficit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: FL

Complaint narrative:
I filed a complaint yesterday - XXXX The company responded that they believed I was working with a credit repair company, as the normal consumer would not be smart enough to realize that they violated the law. It is irreverent whether Im disputing a file or Ive hired someone to do that for me. The law is the law. I submitted a dispute to this bureau and they had 30 days to investigate it. They had an additional 5 days to advise me of their findings. None of that was done, therefore they must delete the accounts that was issued in the dispute. 

I guess Im not the normal stupid consumer. Im aware of the law and I insist in receiving the answers Im entitled to. Im considering taking further action to get this resolved..

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
ENHANCED RECOVERY COL ACCOUNT # XXXX DATE XXXX {$870.00} ENHANCED RECOVERY ATT ACCOUNT # XXXX DATE XX/XX/2020 {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: NJ

Complaint narrative:
I sent letters out certified over 90 days ago and still have not been notified of any information positive or negative. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months 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 2020-10-30 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: CA

Complaint narrative:
I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all XXXX credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost XXXX months 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 2020-10-30 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 FINANCE CORP
State: TX

Complaint narrative:
i have disputed this unverified items with the collection company they have not been able to verify the debt is mine and they are still reporting to credit bureaus

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Starting in XX/XX/2020 Bank of America opened an escrow account on my mortgage account charging me an extra {$270.00} each month. I pay my property taxes and home owners insurance separate from my mortgage and I did not approve for an escrow account to be created. My monthly mortgage payment is suppose to be {$730.00}. I see many lawsuits online about Bank of America creating fraudulent escrow accounts on mortgages with the clients consent. I have call Bank of America over XXXX times about this matter and no one ever picks up the phone in the escrow department. They do not provide you with a direct number to the escrow department and no other group has a phone to this department. I sent them a message about this matter since my phone calls did not resolve the matter. They sent me an escrow analysis for my account but I should not have had an escrow setup for any reason,

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
AAG ( American Advisors Group ) refuses to supply the FCRA clause that allows companies to verbally access a consumers credit report. Attached is the letter they continue to send but they do not supply the legal reason. It appears they are not fully knowledgeable of the FCRA Section 604. AAG continually states they had legal permissible purpose but will do nothing to defend. I will not give up until they supply the legal that allows them to use verbal permission to access a consumers credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Company failed to reply to reply in timely fashion to second request sent to them about proper validation of debt. Attached is a copy of first letter which company responded with paperwork with a signature that I never signed. Also I sent over a second letter that was written out on XX/XX/2020 that company failed to respond to within thirty days. If needed I will send the actual date certified letter was sent and received by company and never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i just found out that there is an account with ( loanme XXXX : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2020, XXXX XXXX filed a collection bill with Sequium Asset Solutions. The collection for {$460.00} showed up on my credit report on XX/XX/2020 and my score significantly dropped. Since I have never opened up an account with XXXX XXXX, I was concerned. After making a few phone calls, it appears that XXXX opened the account without a social security number. Since I have a very common name, and lived in the general vicinity of the person who accrued this debt, Sequium associated the debt with me somehow. We do not share the same middle name or any address, so I'm not sure how it appeared on my credit report. I have filed investigations with XXXX and Sequium, but this is completely out of their scope. I suffer because they did not find or attempt to contact the original person in debt to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I opened a " Money '' account with SoFi. The " Cash Back Terms '' for this account said, " For each eligible transaction made within 60 days of the date your new SoFi Money Account is opened, SoFi will credit your account for an amount equal to 5 % of each eligible purchase, up to a maximum of {$100.00} during the Promotion Period. '' By XX/XX/2020 ( well within the 60-day limit ), I had made more than {$2000.00} of eligible purchases, meaning that I should receive {$100.00} cash back. SoFi has never credited my account with any cash back ( see account history ). 

On XX/XX/2020, XX/XX/2020, and XX/XX/2020, I chatted with SoFi to try to resolve this issue ( see various transcripts ). On XX/XX/2020, I was told that I met all the requirements for the {$100.00} cash back, and each time I was told that SoFi was working on the problem and that it would be resolved in 10 business days ( after XX/XX/2020 ) or 3-5 business days ( after XX/XX/2020 ). But even after all of these communications, SoFi has still not credited my account with the {$100.00} cash back. 

I am uploading the terms of the account ( XXXX Sign Up Earn 5 % Cash Back SoFi XXXX ) ; chat transcripts from XX/XX/2020, XX/XX/2020, and XX/XX/2020 ; an email showing that a ticket was created on XX/XX/2020 ; and an account history showing all transactions on the account to date ( XXXX Account History SoFi - XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
Hello, I am writing about Equifax. Equifax has been receiving payments from me without giving me access to my account. 

I was the victim of identity theft in XXXX after which Equifax locked my account. In XXXX I was able to get it unlocked and regained access for a while. After a few months the account was locked again. I since am trying get access again to my account without success. The only answer I get is that it is locked for investigation and nobody is willing to help. This is all happening while I am still a paying customer. Here is a brief history of my communication in the last two months. 

Dates and actions : XX/XX/XXXX Received Email and followed up with call : Speaking with : XXXX Cant help, wait more time. Locked for investigation. 

XX/XX/XXXX Speaking with : XXXX Status still under progress Send email to customer support : XXXX Will arrange a call back - 72 hours cycle No ticket number available XX/XX/XXXX Ticket number : XXXX XXXX XXXX XX/XX/XXXX ( got email confirmation ) Fax with documents XX/XX/XXXX ( got email confirmation ) Fax with documents XX/XX/XXXX Fraud alert removed, email confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: GA

Complaint narrative:
I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is Equifax making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: IL

Complaint narrative:
Hunter and Warfield has been calling me and being mean they could not even tell me my social security number and my last name was not even correct.

Company response to consumer: Closed with explanation