vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 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: The CMI Group, Inc.
State: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, Credit Management Lp ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-25 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Professional Credit XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX XXXX XXXX  and but yet are appearing on my report to this day. In addition XXXX XXXX XXXX XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
Wrong credit reporting to mu XXXX y account. accounts not open or approved by 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 explanation
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
Wrong credit reporting to mu XXXX y account. accounts not open or approved by 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 explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Received Barclay 's XXXX XXXX XXXX co-brand Mastercard and Barclays only provided 2 options to activate the card either through website or mobile app. I am an XXXX XXXX XXXX citizen who is not digitally enabled and could not activate the card. The telephone customer service number was not accepting any phone calls and hanging up once pre-recorded message was offered. The company assessed an annual {$99.00} fee without the card being activated or without me being able to use or activate the card. I was finally able to activate the card in the middle of XXXX with the help of my grand daughter. The site to activate the card also did not work to verify the credentials. After weeks of calling we finally were able to get someone to assist us. This is not only a horrible customer experience, but their mechanism to service older customers who are not digitally enabled leaves us behind.

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 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a trip in XXXX through a travel agency. Due to COVID-19 the trip was canceled. The travel agency sent me an email stating that I had to contact my cardholder for a refund. I contacted my bank, Chase Bank, and they refunded me the money but took the money back. I never received my went on my trip and I dont have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, XXXX, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, Equifax, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please I need your help.I already work with Macy 's they enrolled me due to novel coronavirus in this deferral program to avoid making payments. But they did not let me know the first time I contact them and I was late in a payment the I will accrue Interest in my account, I contacted them again this time I was very clear using the words due to coronavirus can't make payments on time, I was enrolled in the referral program just this time they was clear to let me know the my account will accrue Interest so whatever I owed will be higher.So my question to CFPB even is not my fault not been able to pay on time. I'm in a situation yes, I'm working thanks God but get this my husband is in a Furlough in his job due to coronavirus most of finances is on my shoulders we have XXXX   daughter 's out of work ... ..I do not owed much to the department store but I soon as I have money I will closed account but mean while I'm scared been out control.I need your help and I'm speaking for many people outhere in the same situation.Thanks

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 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems continues to report erroneous information on my XXXX  consumer report. 
In response 6o my debt validation request, I received a bill on XXXX letterhead that does not itemize their claim for the debt being reported that I owe. I am d4manding that this be removed from my consumer report immediately because this is not my debt and I do not owe XXXX  nor IC Systems {$260.00}. 

A copy of a bill does not VALIDATE the bill. This erroneous reporting has caused me tremendous grief in my attempts to refinance my home.

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 2020-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Another business purchased merchandise from XXXX XXXX XXXX  and we were charged for it. We received a copy of the email confirmation from the other business stating that it was delivered to their business at their address. We have mailed documentation to Capital One multiple times. They have been irresponsive to phone call and social media requests. They have ignored every time. We need refund and {$5000.00} inconvenient fraud fee. My wife has invested countless hours trying to resolve a very simple situation. 

https :  XXXXXXXX   XXXX We are not XXXX XXXX XXXX XXXX! 

Thank you for your order! 
Hi XXXX XXXX | XXXX XXXX, this is a note to let you know that we received your order. Your order was placed with one of our sales representatives or on our wholesale website. If you put a future ship date on you order, don't fret! We will not ship or charge for your order until the requested ship date. Are you a new account who wrote at a trade show? We encourage you to work with your local rep for future reorders. Your sales rep will be in touch or you are always welcome to call us at XXXX and we can connect you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 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.
State: FL

Complaint narrative:
My problem is with Equifax. In XX/XX/XXXX, I applied for autoloan and I discovered that among the 3 bureaus, Equifax was not able to provide my credit score. This surprised me because I have established credit lines since XX/XX/XXXX. So, I called them and spoke to different agents on more than 5 occasions and I was told that they couldn't locate me in their system at all even after using different personal information. As advised, I faxed and mailed them the documents with my personal information to help solve the issue. I just got a response letter from them saying the same thing, that they could not locate me in their database. Precisely! That was why I contacted them to find out what was happening and find ways to get to the bottom of this. At the same time, I called all my banks and creditors to verify if they have been regularly sending reports to all 3 bureaus which they said they do on a monthly basis to all 3. I reached out to Equifax again and asked if they have other ways to resolve my issue but I was told to do the same thing. It seemed like they have no other process in place for this kind of issue but to keep asking you to send your documents to them. After few months of countless inquiries with them, I tried talking to them again to follow up, but to my frustration, I still got the same closed ended answers. " I could not find you in our system. Send us your documents with your personal information '' I requested them to investigate deeper as there could be some technical glitches or mishandling of data that caused them not to receive reports from my creditors, but nothing happened. I really think there is a problem on Equifax side because how come my husband who has the same credit companies as I do, has credit profile in Equifax??!! I need your help to find resolution to my problem. I have been wanting to buy a house since last year but this is really holding me back. I feel helpless of just being told that I am not in their system and not knowing what to do next or where to go for help. After so many times of communicating the same issue, still, they are not exerting any effort to identify the root cause of this. 

I read a blog that your office was able to help him resolve this same issue that I have. I am hoping to get a positive response. 

Thank you! 

My credit companies : XXXX  XXXX XXXX ( credit card ),  XXXX ( credit card ), XXXX XXXX ( Auto Loan ), XXXX XXXX XXXX  ( Auto Loan )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Ive been trying to pay my mortgage, but the bank will not accept payment First of all, Shellpoint is the 3rd bank working with my mortgage. 

Second and most important thing : We were notified from XXXX XXXX about the transfer to SHELLPOINT on XX/XX/XXXX. 

How could I send my payments to SHELLPOINT if I was not aware about the change before XX/XX/XXXX? 

See the timeline for my payments below : XX/XX/XXXX : Check was sent to XXXX XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX  ( lost in the mail ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( RETURNED and I have the receipt with letter stating that account number can not be found ) XX/XX/XXXX : Before sending another check to XXXX XXXX, I sent them an e-mail, asking about the reason for the returned check XX/XX/XXXX : First time that I heard about the transfer from XXXX XXXX to SHELLPOINT STILL ON XX/XX/XXXX : I got the access to my online account with SHELLPOINT for the first time and tried to make an online payment, but unsuccessfully. 

STILL ON XXXX : I sent 3 months payments ( 3 different checks ) to SHELLPOINT MORTGAGE, they have received it but the checks were not deposited.. 

XX/XX/XXXX : Somebody locked the doors in my house and I couldnt get in. 

XX/XX/XXXX : I called Shellpoint telling them the whole situation and they are not letting me to make a payment. 

XX/XX/XXXX : I called Shellpoint to try and get a resolution and they confirmed that my house is going to forclosure and I will be liable for all the attorney fees. At this point they WILL NOT accept my payments and they have not cashed the checks I sent in XXXX to bring the account current. 

The property related to this mortgage ( XXXXXXXX XXXX XXXX XXXX  ) is in a Vacation Community and there is NO MAIL BOX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
I received a letter stating that I owe CBCS {$580.00} in which I have no knowledge of this debt. An original creditor was listed as XXXX XXXX XXXX XXXX in which I have never done business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is another complaint about this merchant deceiving and ripping customer, please see attached list of transactions where you will see 2 issues : 1. Synchrony  agreed to COVID-19 support and promised not to add late fee but they still charged late fee. 
2. There is a {$43.00} charge each month for card security that i never added to my card. I do not know how long they have been adding these charges to my making my total balance to almost the same even after making monthly payments. 

Synchrony must be investigated, if not then I will take my own action against these thieves.

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