vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft, the enclosed accounts are a result of identity theft. These accounts are having a negative impact on my credit. I am requesting that these accounts be removed from my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I has a previous case, where I could not make a payment of my capital one card. 

The issue it seams is due to the fact I am a XXXX going through US immigration. And somehow the Capital one system detected my OLD XXXX Capital one card. So it had my US card flagged in the system. 

Someone from Capital one called and it was fixed. And that card I have been able to make payments on. 

Except.. somehow it then linked my XXXX SSN into the US. And that card is using my XXXX SSN. And it created credit bureau reports using my XXXX SSN. 

I did not notice this right away. 

But then Capital one offered me a new card. Under a preapproval letter for a different type of Capital one card. I accepted and the card was granted. That card is definetly using my US SSN.

Issue is I can not PAY it. I can not link it I can not create an online account to pay it with. As it tosses a oops we hit a snag error.

I did one payment over the phone which took hours to complete. 

We then went through what is happening as the US Capital one system shows me twice.. once with my XXXX SSN, and again with my US SSN XXXX 

We spoke to there fraud unit to confirm who I was, I started this process back in XXXX XXXX. I had to fax them all my paper work. Which I did ... they promised to call in two weeks. 

nothing happened. 

I then contacted again, they confirmed they could see all my paper work but nothing had been done. 

So they said I needed to open another case, as the other one had been closed due to non activity.

I am now behind, and calling in they can't take payment I can't make payment. I am to the point I just feel like I should cancel the cards. It is such a pain to deal with.

So on my call back they said open another case sent me alink, I said okay I will send all the paper work again. And confirmed on the phone, with them.. can you see it.. yes could can you review it yes looks good.. should take two weeks to fix and we will call you. 

It has been a month and again still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX names not mine DEPT OF EDUCATION/XXXX Account XXXX Account TypeEducation ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedMar 2020 all student loans never late fcra violations XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute showing all late payment attach are the creditor wrong addresses they provided to the credit bureaus by law i have the right to pay on time fair debt collection practice that i have an opportunity to pay it on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX names not mine DEPT OF EDUCATION/XXXX Account XXXX Account TypeEducation ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedMar 2020 all student loans never late fcra violations XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute showing all late payment attach are the creditor wrong addresses they provided to the credit bureaus by law i have the right to pay on time fair debt collection practice that i have an opportunity to pay it on time

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 2020-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was put on fraud because of my mother 's account and when she was XXXX she put me on her bank account and therefore she had filed and by association they put my name as fraud and I can open a bank account and this is to clear my name

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 2020-12-27 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I am writing to CREDIT COLLECTION SERVIC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CREDIT COLLECTION SERVIC agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XX/XX/2020 - account with XXXX was pu on pause ( meaning no automatic payments would be withdrawn XXXX XX/XX/2020 - account with XXXX was cancelled, despite account being cancelled and on pause, merchant took reoccurring fee XX/XX/2020 - contacted XXXX about fraudulent fee - merchant said they cant do refunds XX/XX/2020 - informed XXXX that fraudulent charge would be disputed with bank XX/XX/2020 - Bank reversed charge and began investigation XX/XX/2020 - XXXX provided all communication to bank showing pause and cancellation as well as fraudulent withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: AZ

Complaint narrative:
I am being sued by a company ( DNF Associates ) that is not a registered entity in my state of AZ. The XXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor XXXX XXXX that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.

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 2020-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is once again sending mailed mortgage statements too late to make a timely payment by mail, thereby collecting a few days of extra interest from every customer effected by this practice. When I spoke to customer service, their only remedy was setting up auto payments. It was explained that statements are mailed our on the XXXX of the month, thus insuring one will never be able to mail back a payment by the XXXX to avoid being charged extra interest. Giving open access to one 's bank account to a company this underhanded does not seem wise, but it appears B of A is attempting to force people into either doing that, or accepting that they've set up this system in order to collect extra interest when mailed payments arrive a few days late. Multiplying this extra interest they're collecting by the number of mortgage payers must mean an incredible boon to B of A, at the extra expense of their customers. Surely that can't be legal.

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 2020-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THIS IS THE SECOND TIME XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX I HAD A PROBLEM WITH TRANSUNION REGARDING INCORRECT INFORMATION WHICH ENDED UP WTH THEM DELETING THE WRONG INFORMATION AND CAUSING MY CREDIT SCORE TO DECREASE. I HAVE DISPUTED AN ACCOUNT XXXX XXXX XXXX TO BE REMOVED AS A PAID COLLECTION ACCOUNT AND THE COMPANY THAT SUMITTED THIS NO LONGER EXISTS. I HAVE SUBMITTED THE SAME DISPUTED TO XXXX AND XXXX  WITH NO PROBLEM AND THEY BOTH DELETED IT FROM THEIR REPORTS WHICH INCREASED MY FICO SCORE. HOWEVER WITH TRANUNION AFTER CALLING THEM NUMEROUS TIMES TO REMOVE THIS ACCOUNT THEY END UP DELETEING THE WRONG ACOUNT redit changes Current score XXXX XX/XX/XXXX pts to XXXX We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX Account Removed From Report WHICH I HAVE BEEN TRYING TO IMPROVE MY CREDIT REPORT TO GOOD STANDING FOR OVER A YEAR THEY DELETED THE WRONG ACCOUNT AGAIN FOR THE SECOND TIME.IT TOOK ME ALOMST A MONTH THE FIRST TIME 6 MONTHS AGO WHEN THEY DID THIS AND NOW THEY DID IT AGAIN. THIS IS TO ME TO BE FRUAD ON THEIR PART AND THERE IS NO EXPLAINATION FOR THIS. I WOULD WANT TO FILE TO EVERY CONSUMER AFFILIATION ABOUT WHAT THEY HAVE CAUSED ME TO GO THRU SO MUCH STRESS ANDWILLING TO FILE A LAWSUIT AGAINST THEM AS WELL.

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 2020-12-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a charge made on my Citi Mastercard ending in XXXX for {$320.00} at Home Depot under dispute code 53. Per the MasterCard Dispute Resolution Guidelines, the issuer may use message reason code 53 when the cardholder contacted the issuer alleging that the goods or services received were either defective or not as described. 
When using this dispute code the Chargeback Conditions must include both of the following : Both the issuer and the acquirer are located in the United States, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and/or the U.S. Virgin Islands and Goods and services did not conform to their description. Examples include, but are not limited to : Goods and services that did not conform to their description. Examples include, but are not limited to, a 100 percent money-back guarantee, written promises, or a return policy. The Supporting Documents needed are a Cardholder email, letter, message or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form XXXX XXXX stating all of the following : The cardholder engaged in the transaction The cardholders description of the goods or services the cardholder expected to receive The cardholders description of the goods or services the cardholder actually received The cardholder returned the goods or informed the merchant the goods were available for pickup. 
The cardholder contacted the merchant to resolve the dispute and the the merchant refused to adjust the price, repair or replace the goods or other things of value, or to issue a credit. 

All of these conditions were met, and I provided CITI with a copy of the MasterCard Dispute Resolution Guide, highlighting the requirements provided, the original sales receipt, a return refusal receipt dated and provided from the merchant as well as a letter meeting all the requirements of form XXXX. 

Citi failed to provide properly submit this dispute, or resubmit upon receiving these documents on multiple occasions. Even worse CITI agents have made multiple deceptive and untrue statements in an attempt to prevent CITI from having to meet its legal requirement under the FCBPA and the MasterCard Dispute Resolution Procedures.

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 2020-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX or XXXX had promotion marketing at local XXXX to provide internet, phone ( voip ) & TV services. Based on the offer I signed up XX/XX/XXXX or XX/XX/XXXX that started the service and this service interrupted within 2 days after trying to get support from XX/XX/XXXX or XX/XX/XXXXso we requested disconnection of this service as are allowed to do so within 30 days. XXXX XXXX or XXXX still sent our account to collection with the amount and collection company details below. 

Amsher Collection Services / XXXX XXXX Amount {$340.00} / Account # XXXX / Collection opened XX/XX/2019 / XX/XX/XXXX credit report. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX / ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 











2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I secured a loan form security finance XXXX XXXX 2020 ). The loan was for {$800.00}. They took {$200.00} from the principal so therefore I only received {$600.00}. Security Finance is violating the usury laws of my state of Georgia with higher interest rates than allowed and {$200.00} fee charged to me from the principal. Ive been paying on the loan and the principal is still {$600.00}.

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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I booked a flight in XX/XX/2020 for a trip using XXXX Chase Ultimate Rewards points and {$11.00} in cash for a trip to XXXX on XXXX XXXX departing XXXX XXXX, 2020. On XXXX XXXX, 2020, the airline cancelled 3 legs of the flight. I immediately contacted Chase for a full refund since the airline cancelled my flight. After more than 3 months of back and forth Chase is denying me a refund of my Ultimate Rewards points and cash, instead offering me travel credit with the airline ( which I never requested and don't want ). Since the airline cancelled the flights, not me, and because it's departing from within the US, the Department of Transportation states that I'm entitled to a full refund in my original payment form. I've explained this to Chase and they refuse, saying that the airline doesn't want to give me my refund. I've also filed a complaint with the Dept. of Transportation, however I'm hoping you can help resolve this issue for me with Chase directly. I paid for a service in cash and points and that service was never provided because of the airline. I've attached documentation of all this. Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient is reporting negative marks to creditors during COVID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation