vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2021 I learned that my property taxes were not paid. I called US Bank to see why it had not been paid they stated they received a bill for XXXX dollars. I informed them that it had to be a mistake and they should have contact the county. As of today US bank has not informed me that there was an issue with the taxes. Even after I spoken to numerous representatives from that company. I am highly disappointed with this company Im a service member just returning home from an XXXX  XXXX and I come home to this mess.

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint mortgage ran an escrow analysis, but failed to recognize that we are paying for flood insurance on our own. I sent them proof of coverage. In addition, their process to have the coverage removed is very time consuming and difficult to reach the correct departments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 

CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I paid a XXXX XXXX loan back in XX/XX/XXXX off. I was told when I contacted the parent company I had to debts. I was unaware of it. I made plans to pay off the XXXX XXXX. The lady informed me of the other one. I explained to her I did not remember that debt from 6 years ago. She told me it was XXXX XXXX. I told her to let me pay for this one. She threatens me with we are just going to report you. I have been receiving the calls of hang-ups from a XXXX area code number three times a day on my cellular phone. On today I got a call from XXXX who attempts to refuse whom and where she was calling from or for. I told her this is apart of the parent company that has the XXXX XXXX loan I paid. XXXX claims they just got the debt. I did not receive a letter or anything for this debt. XXXX claims I open this loan on my Birthday XX/XX/XXXX. I would have remembered a birthday loan. They have my phone number from the threatening company over XXXX XXXX. The call came in from National Credit Bill collector XXXX at XXXX. This is aggressive along with those consistent phone calls on cellular. the FDCPA was been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that if you are unable to provide Verifiable Proof then you must DELETE the incorrectly reported public record items listed below immediately. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
2. Bankruptcy Chapter 7-Discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX Inaccurately posted on XX/XX/2019. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ).

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft )

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/2021 Our personal computer was comprised with malware We tried several times to clear but unable to do so. A dialog box appeared to call XXXX at XXXX XXXX XXXX XXXX. The customer care from XXXX said he could clear the problem. Fifteen minutes transpired and the rep asked for our permission to to scan the problem. He stated our file has been hacked and he needs further time to locate the problem. My wife and I could see his cursor jumping all over the screen. Another 15 minutes, elapsed and he said our American Express account has been violated. He recommended we call AE and speak to someone. We told the XXXX rep we will call him back after we speak to the Amer Express people. The XXXX rep said he can contact American Express via third party call. We gave him the number and a rep from Amer Express came on. We explained what happened and he said he will need a few minutes to look into the account. He verified our information as they usually do. We actually thought we were talking to XXXX XXXX. The gentleman came back and said your account is pending {$15000.00} to a XXXX in XXXX. We were shocked because we didn't authorize any transactions of any amount. We asked him what can be done and he said we can dispute the amount which will take a awhile or you can purchase the amount in gift cards to offset the pending amount in question. He advised us to purchase the gift cards. I asked how does adding XXXX in gift cards offset a pending amount. He said the pending will go on my account in 12 hours. So we panicked and purchased gift cards to offset the amount. The XXXX rep was also on the phone the whole time. He said our email and cell phone were also compromised. We felt so angry but what could we do. So American Express is holding me responsible for the purchases. I reported this to them 72 hours later when I went back to check my account. I reported the violation to the XXXX Police, the Federal Trade Commission, and XXXX  where the gift cards were purchased. 
I'm semi retired and have health problems partially XXXX and on XXXX. Working with a fixed income and I told American Express why would I purchase that much in gift cards where I could've just use my American Express for buying power. I sent a letter to the CEO of American Express asking for forgiveness. I sent a letter to my senator and my congress rep. I'm having a difficult time repaying this. 
American Express, report ID XXXX XXXX ID XXXX XXXX Police Report XXXX Federal Trade Report XXXX Alleged XXXX Rep XXXX XXXX Employee ID XXXX Email : XXXX Direct phone number XXXX ext XXXX XXXX  number XXXX Alleged American Express Customer Care XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Email : XXXX Cell : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NM

Complaint narrative:
When Public Service Loan Forgiveness was announced, I contact my servicer, ACS to ask about it. I worked for the XXXX  as an XXXX since XXXX  and I have well over 100,000 in student loan debt. I was always on the income based payment plan but the payments were still more than I could afford. They told me that I just needed to stay on the income based plans to qualify and that at the time there was nothing more I needed to do. I followed their advice and stayed on the income based plan. Later, around XXXX, when I believed that I have made at least the 10 years of payments to qualify for the debt forgiveness, I contacted them to ask what I needed to do to apply for it. They told me that I needed to apply through XXXX because I could not apply through them ( ACS ). So I contacted XXXX. XXXX said I had to consolidate my loans with them - none of the payments I had made through ACS qualified for the PSLF program. ACS had given me incorrect information. ACS should have informed me that the type of loans I had with them needed to be refinanced or consolidated into a new type in order to qualify for PSLF instead of telling to continue to make payments for many years. Now I paid for 10 years and all 10 years were for nothing. When I moved my loans to XXXX I started over. Now my loans will be paid off before I will ever qualify for the PSLF program. That was very costly bad advice by ACS. I continue to work for the government - it is my entire career ( I have been a XXXX XXXX for 16 years now ). PSLF was meant to help those of us who dedicate our careers to the government despite crushing debt from private schools - but that is not how the program is operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NRA Group, LLC
State: PA

Complaint narrative:
On XXXX XXXX, 2019, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2021-02-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I checked my XXXX  and XXXX reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a wells Fargo mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MI

Complaint narrative:
CAPIO PARTNERS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CAPIO PARTNERS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are.

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me.

CAPIO PARTNERS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CAPIO PARTNERS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CAPIO PARTNERS fails to respond to my verification letter by certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX XXXX. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX  Here is the company they used to collect the debt : XXXX 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 non-monetary relief
Consumer complaint received 2021-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX XXXX, 2008 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I had reported two charges to be fraud. The two charges were from XXXX XXXX, 2021 : XXXX XXXX XXXX - {$120.00} XXXX XXXX - {$28.00} I was told that these charges were marked as Fraud back then when I had called Chase Customer Service and were taken off my account and I was given a new card with a new card number. Today, when I opened my credit card application, I see that Chase re-billed for those two charges and on calling customer service/Fraud protection/Recovery Department I was told that the charges were put back on my account because the investigator put a memo on my account saying that " These charges were made physically at the store by providing the card '', Isn't this obvious? When I said I lost my card, that means someone got hold of my card and used it at a store. I dint do these charges and I need justice here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
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 explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
It started with myself looking at my finances as a whole. I called the credit card company and found out that there was a promotional balance transfer offer - and I took it. I transfered my balance from another card to this new card. I'd like to note the reasoning behind this action : My goal was to show a lower credit card utilization percentage. The card I transferred from was almost 100 % and the card I was transferring to had such a high credit limit ( mind you, I haven't use this card in a while! ) so after I transfer to this new card, the utilization percentage would be roughly around 50 % and the prior card would now be at 0 % - this action would improve my credit score as I continue to pay off my debt. 

About 1-2 weeks later I received an email saying that my credit limit decreased after a review of my credit reporting. ( attached ) This was alarming so I called the credit card company to try and rectify this. I was pretty upset of course because this now defeated the purpose of me transfering my money to this new credit card banking company. My question was - why, after I recently transfer money does the company want to 'review my account ' and lower my limit. If my credit reporting history has been the same for a while now, then why didn't they want to lower it beforehand. Also - why would they approve the balance transfer offer to me? 

I don't find this action professional from this company at all. 

When I spoke to the representative over the phone, I was able to get transferred to a supervisor ( they told me this person was anyways ) and they put a request in to 'raise my credit limit '. I didn't think this was the correct procedure to do honestly. I new it would go through as a normal request - not a special case request as my phone call into them was pertaining to. I feel this was on a whole different level where it should have been handled differently. So of course, I received a denial letter ( attached ). 

I don't feel this was right or handled properly. This action did worse to my credit report. I honestly wish I just never did the transfer. I am looking into any options that I have to get this rectified. The very least, I want to pull my money back out from them and move it to another credit card banking company. They do not deserve my money for what took place.

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