vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I closed my Saks Fifth Avenue store credit card around XX/XX/XXXX. I had a credit of {$350.00} and asked them to refund me that balance. 

Due to their many errors, I did not receive a check from them until about XX/XX/XXXX. I had to call at least 5-6 times to get the check and repeatedly tell them the correct address.

About 6 weeks after I cashed the check, they began contacting me to collect {$350.00} in charges. Every time I called, I had to argue yet again that closed my account in XXXX and do not owe them any money. Each time they tell me I am correct. 

Then it starts over again a month later and I have to argue with them again. In XXXX I finally got them to write a letter stating that I do not owe them anything. Now we are in XXXX and it has begun again. Again they say it's their computer system. 

I want my name erased from their systems and to never hear from them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: GA

Complaint narrative:
On XX/XX/2018, I went to closing and closed on my house using SouthPoint Financial Services Inc as the mortgage Brooker, few months after closing in XXXX of 2018 I received a call XXXX XXXX my then loan officer stating that there was an issue with the mortgage and it can't be sold because my dad ( co-Borrower ) already has an FHA loan and one person can not have two FHA loan. I asked how is that possible and why wasn't that something they would have caught during underwriting before we got to closing, he stated that he doesn't know and we need to try and fix this issue. During the process of obtaining the loan through SouthPoint, i was told by XXXX XXXX that i need a co-borrower and i ask if i could used my dad and he stated yes. I provided all my dad 's information to XXXX and explained that he filed bankruptcies over 10 years ago and that he did own a home with my mom that they are currently living in, long story short, FHA has not Insured my mortgage and my home is not showing on my credit report., Its been over a year and SouthPoint has not attempted to help with this matter, despite the fact that I have been paying my mortgage to SouthPoint and they have been cashing my checks every month with includes my escrows, they have not paid my county taxes, they have not sent me a detailed statement which I have requested on several occasions. I was also told that we committed fraud and that I need to refinance the mortgage in order to take my dad off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
They added another name to my XXXX XXXX account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TX

Complaint narrative:
They added another name to my XXXX XXXX account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx

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 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is reporting inaccurate information to the credit bureaus on a monthly basis. Wells Fargo is reporting that a balance is owed on the account that is inaccurate, inaccurate payment dates, and account status. The account has been paid monthly on time and should not have been reported as late. The account was paid and should be updated as such. Wells Fargo is violating the FCRA with its practices. Additionally, Wells Fargo is refusing to provide receipts or any form of documentation for the payments made to their company. These practices are affecting my lifestyle and liberty by preventing me from obtaining a home loan. 


Account ending : 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 non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
ChexSystems reports that my SS # was available for issuance in XXXX when in fact I was born in XXXX. I sent a dispute letter over a year ago and have received no response. I just requested a new report and the I formation is still incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
Debt company attempting to collect on a debt I never signed an agreement with nor do I owe any money to them. Moreover, this debt was removed from my credit profile and replaced back on by this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
It shows on my credit report tht on XX/XX/2019 a amount of {$35.00} is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An account was opened fraudulently at Bank of America on XX/XX/16, using my name and personal information. Turns out they used this account to cash a fraudulent check a little over {$3500.00}. Due to this circumstance I have been barred from opening an account at all financial institutions, which has significantly impacted my life negatively, since it has happened.

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 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington home mortgage services has been servicing the account for the last several years and had just begun ( without any notification ) to add a convenience fee to my online payments. This is in direct violation of FDCPA section 808. They are charging an excessive, non agreed upon fee, to a debt. 
On XX/XX/XXXX I was checking my account for some other purposes and noticed the new add on fee and immediately called CMS to try to rectify the issue. I was told that since the state of New Jersey does not have a state FDCPA they are not in violation of the federal FDCPA. I believe their actions are a class action suit waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOTIVE CREDIT CORPORATION
State: TX

Complaint narrative:
Company states debt was paid but they have no record of chain of title. Debt company attempting to collect on a debt I never signed an agreement with nor do I owe any money to them. Moreover, this debt was removed from my credit profile and replaced back on by this collection company. Company continues malicious attempts to collect on a false debt with harassing phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, 2019 I paid {$1.00} for a free 7 day trial to receive -- All in 3 Credit Bureau Reporting from Experian, and after 7 days they would charge me approx. $ 28 monthly for the service. However, once I subscribed Experian said that they didn't have a FICO score for me nor did either of the other 2 credit bureaus. Yet, XXXX XXXX and XXXX XXXX XXXX product shows FICO scores. Experian is false advertising in order to get you to sign up for their trial and then keep you waiting to access your scores. 

Upon trying to cancel the subscription I couldn't find support or FAQs anywhere to do so. This is blatant deception on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
It shows on my credit report that on XX/XX/2019 a amount of {$180.00} : A amount of {$36.00} ; a Amount of {$36.00} ( twice ) is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor ( XXXX  AND XXXX ) is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Moneygram declined to process my transaction and refused to explain any reason for declining. I was trying to send {$600.00} to an associate in XXXX. I might add that I used moneygram for several years for money transfers from my organization to XXXX, but switched to XXXX XXXX when MG transaction fees went up. Now XXXX is charging more with a lower exchange rate, so I was shopping for a better price, and came back to MG which then declined my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was a victim of fraud in my checking and savings account in the month of XX/XX/2019, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, made their investigations and returned everything to me My money was extracted, after 3 months they are calling me from a company Hunter Warfield, explain that I was a victim of fraud and that I am not going to pay a debt that I have not made, today I realized that they they put my debt in XXXX, they are damaging my credit, I don't understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this inconvenience that will affect my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Creditrepair.com, Inc.
State: NC

Complaint narrative:
Offered me an agreement for XXXX service for me, then said add my wife and we will give you the XXXX and your wife free if she signs up too. So I did, but they started taking out 2 payments of XXXX, in XX/XX/2019 and my wife never caught it because of health issues and I'm gone on the road ( XX/XX/XXXX ). Tried to talk to them and said that they would only give me XXXX back on the more than 600.00 they took. Can't afford losing that much. Tried to talk to another person a hour after and they said computer was down. This all happened XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
ate opened : XX/XX/2019 amount : {$710.00} violations : 1 ) fair Debt collection Practices Act : Section 802 ( a ) 15 U.S.C. 1692. Using Abusive debt collection practices. called to collect a debt by refusing to tell me what the call was about until i told them my social security number.

2 ) 15 U.S.C. 1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). this company never provided me with any validation of debt.

3 ) 15 U.S.C. 1692g section 809 ( c ) this company had attributed my name and my social with fraudulent debts 4 ) section 812 ( a ) ( b ) debt bought and moved from creditor to creditors without my knowledge and my written signature.

5 ) fair credit reporting act Section 609 ( a ) ( 1 ) and section 611 ( a ) ( 1 ) ( A ) the law requires a physical verification of the original signed consumer-contract on all acounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NY

Complaint narrative:
I had an Amazon charge card, and purchased several items with it and paid for all items. Amazon made an unauthorized charge to the card pertaining to a purchase that was made ; Amazon charged me twice for an item. I told the finance company the charge was not valid, yet Synchrony financial refuses to remove the charge. The amount in dispute is XXXX Synchrony has increased the amount to over 700 dollars. I demanded Synchrony provide proof of authorization for the charge and they ignored 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 non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Although I had two checking accounts and a savings account as well as being a customer of Bank of America for over 10years ; I was not notified in writing that my account was going to be closed or had been closed and sent to XXXX 
On XX/XX/XXXX, I spoke with the Bank of America Dispute Specialist CSR, XXXX, and she assisted me with putting stops on all of my autopayments coming out of my account and had also refunded me the NSF fees. I was instructed to send each company notices that I would need to stop all automatic drafts as well as letting them know the reason ; due to unemployment. 
The following month a few of the automatic drafts were still allowed to process for some strange reason. So I had to call and this time the CSR was not quite as helpful and sent me through a dispute process even though XXXX had noted my account. 
Moving on XXXX ; I did attempt to dispute the XXXX   issue at the branch on XXXX XXXX XXXX XXXX XXXX MO, but the banker could not retrieve any information about the account closure. 
XXXX ; I did recently dispute it through XXXX, and Bank of America sent documentation only pertaining to the overdrafts and 5months of statements. There were no letters or other correspondences included with the information showing where they had notified me of the closing of my account, or that I had disputed the autopayments. 
I have attached some of the creditors ' letters that I sent, and there should be a call record for the date of XX/XX/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 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
company is fully aware this is identity fraud, but are refusing to remove erroneous debt. They are trying to extort me to pay a debt I don't owe. Moreover, they are still using harassing calls and intimidation to force me to pay a debt I do not owe. In addition, they were force to remove previously and replaced it back on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
It shows on my credit report tht on XX/XX/2019 a amount of {$1200.00} and another amount of {$1700.00} is owed to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX OF TX ), .. I  have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation