vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. 
@ XXXXXXXX XXXX  I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. 
@ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. 
@ XXXX i called my wife and she said the same thing no i dont have a account there. 
@ XXXX i called them back and said if you can show me the proof i would gladly pay it. 
I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. 
I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. 
this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( 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 2021-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Company harrasing with calls, asked for info of what this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
RECMGMT SRVC is claiming that I owe them {$110.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-03 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: NY

Complaint narrative:
On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX very confused before I lost my card and fraud happened my balance was {$790.00} I paid {$300.00} and much more and my balance doesnt go down I called customer care and they said XXXX XXXX that its weird and they claim the old car should been transferred to reflect the current balance but they never did that and they told me to contact the claims department very confusing on the statement it also shows a payment but the balance doesnt reflect that it should be {$200.00} my balance not still showing {$700.00} why cant they fix this its a problem with their system or something

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My company is a hotel, with about XXXX active employees. We are a family owned business and we operate the hotel. We are not a huge hotel we are a XXXX room XXXX star hotel that has its daily struggles and sometimes need loans from my credit card to keep going. 
On XX/XX/XXXX our company received an XXXX loan. We used a part to pay some A/P. Another part was sent to a different account to be kept in separate accounts the next month on XXXX the amount was returned to the original business account to be used for approved expenses. FastTrack to XX/XX/XXXX. Our company 's account is frozen due to " questions '' regarding those transactions from a year ago. I had my employee 's payroll money in the account. I had to get a loan to be able to pay my employees. The loan is like a payday loan huge interest. I called the bank and asked them about this this issue. which they told me, " its under investigation ''. I told them I agree and I am happy to provide any documentation just please unfreeze my account so we operate the business from it and pay my staff. Bank did not care they simply told me tell your staff its under review. We employee $ XXXX staff. They use their paycheck to pay for rent and food. it its not like I can tell them " he guys come next week for your dinner at the XXXX ''. I am fully aware and i agree if there is any suspect of fraud it needs to be investigated. I just see this as a huge abuse by the bank. They have not contacted me nor provided me with any documents. I was just told to email a email address provided after about 40 min on the phone. i will provide any requested supporting documentation i just need to be able to use my money and my account. especially after the winter storm our business had several issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
- TransUnion is intentionally preventing me from filing an Identity Theft Alert on my consumer credit report. During the online process, the form to apply an Identity Theft Alert form loads but redirects me to an Error Page after several moments. This is not new. 
- For the past week, I have been attempting to file a dispute online regarding inaccurate information on my consumer credit. However, every time I login to the TransUnion 's Dispute Center I receive the same error message from above.

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 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXXL XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX : {$10000.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX  XXXX Balance Owed : {$6500.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$460.00} XXXX-XXXX XXXX XXXX Owed : {$880.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX initiated a ACH pull out of my Discover Bank XXXX account into my XXXX XXXX account in the amount of {$10.00}. 

However, XXXX XXXX realized that my XXXX XXXX account has been closed, so they returned the {$10.00} back to Discover Bank ( see XXXX XXXX response to the CFPB attached ). 

Now that it is XX/XX/2021, the returned {$10.00} still did not show up in my Discover account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
FRANKLIN COLLECTION SV is claiming that I owe them {$920.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
After switching over from Ditech to Shellpoint I thought that everything would be better. I was wrong. I tried to tell them that Ditech was wrong about the months I was behind. They didnt try to sort out the problem. To make a long story short they dont offer modification. Which is sad because just about everybody has struggled during the pandemic and payments should be brought current to help everybody out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When I applyed for this card I was told I never have over tge limit fee Citi lates They charge me {$160.00} for over the limit fees

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been calling Equifax in order to get a copy of my report. They keep telling me they can not find an account associated with the information I have provided. I have sent in a copy of my social and ID and address to update any old information they have. They received the documents on XX/XX/2021 and still havent updated my information. I keep requesting my credit report and they will not give it to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various nelnet loans it shows as if I have various late payments its not accurate or fair that this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested TransUnion to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.

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 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX loans it shows as if I have various late payments its not accurate or fair that this is 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 2021-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX loans it shows as if I have various late payments its not accurate or fair that this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX  loans it shows as if I have various late payments its not accurate or fair that this is 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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS lawyers told SLS not to assist me I called customer service She was shady didnt know anything wasnt trying to assist I was on hold too many thin times She said she needs to research We asked how long the application assistance take She didnt know We asked her what we need to do to stop the foreclosure she said she didnt know Then she said we need a code I asked her how do I get the code I dont have enough time she said I dont know We told her at least things need to happen asXXXX soon as possible we got slilent we had to drag the word out of her mouth They wont give any thing I upload a proofs of my apply for assistance by email and fax I promise you they wont do anything then they send letter thats after reviewing your application your not qualify

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested Equifax to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CA

Complaint narrative:
I look on XXXX XXXX bout my credit score and I keep seeing an account for XXXX XXXXXXXX saying I owe thousands of dollars that I do not know of. I have tried to dispute it and I keep getting continuous calls from collection agencies. Its very annoying and upsetting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Continental Finance Verve Card. Each time for the last three months I have attempted to make a payment on time. Each time my payment bounces. There is plenty of money in my bank account to pay for this, and in fact, the bank is not getting the charge - the bank is not charging me for a bounced account.

Each time, there is a problem at Verve card 's end, where the information I have given them is not the information they are using to get my payment. I believe, since this has happened three times now, and I have checked and double checked that the Routing and MICR numbers are correct -- I believe they are doing this deliberately in order to extract late fees and retuned item fees from 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 2021-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I purchased a car from Credit Acceptance in XX/XX/XXXX. Now by XXXX I was behind so they repossessed it and yes I had " good faith '' payments to keep my car out of auction. I made the last payment to get my car on XX/XX/XXXX. I was refused my cars release until XX/XX/XXXX. 
A year later I find out they had taken the car out of my name on XX/XX/XXXX after I had done paid all my payments I had to for them to release it. I was never informed that they had taken a car out of my name they never sent me paperwork I asked Credit Acceptance for anything else and even up til today. They take blame but refuse to own the {$1000.00} worth of penalties. Plus the {$1000.00} I'm just out because Credit acceptance decided to not post them.

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