vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XX/XX/22 called collection for a cease and decease oral form of communication and by all mediums including my credit report. 
XX/XX/22 received a letter from collection saying until debt is paid they will continue to report information to my consumer report. 
I asked if they can provide me a signature saying that I owe the debt and was told they don't have the original instrument providing me my entitlement to the indebtedness,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rock Creek Capital, LLC
State: CA

Complaint narrative:
So today XX/XX/XXXX XXXX XXXX put a collection on my credit report saying the original creditor is rock capital which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: CA

Complaint narrative:
I paid off the debt in a settlement with the company, Bay Are Credit Service, formerly with XXXX XXXX XXXX. It was for two ambulance bills totaling {$400.00}. I called them to settle and we paid I believe {$220.00}. I cant search for the paperwork right now because my husband just died in XXXX and I have had XXXX for three months. It was off of our credit report for a long time and last year started showing up on our report again. I started protesting it through XXXX and XXXX last year and I keep getting back that the debt collector states it is a valid debt. I havent called the company because I know that if I call them it will be on my credit report longer. It is harming my credit. To have this on there and I definitely cant afford to pay it off. I am so frustrated that they arent doing what they are supposed to do and live up to their end of the bargain as I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: GA

Complaint narrative:
XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For Trans union XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers

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 2022-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I received a text alert with a web link from a hacker posing as JP Morgan Chase. The text alerted me that I needed to take immediate action to unlock my account. In order to unlock my account the text message requested I click on the link and send a picture of my State ID, a picture of my debit card ( front and back ) and also a photo of myself without glasses or headgear. The steps I have taken to prove to JP Morgan Chase that I was a victim of fraud are as follows : On XX/XX/2022 Hackers compromised my account and withdrew {$4000.00}. 1. ) I realized my account had been compromised on XX/XX/2022. I also contacted Chase on this date. Results : The Chase representative then opened a dispute on my behalf and stated I should hear from them in 3-10 business days. On XX/XX/XXXX Chase sent me a letter stating they closed my dispute because they believed the transaction was authorized. 2. ) On XX/XX/XXXX I visited the Chase Branch to speak to a representative regarding the letter. Results : The Chase representative provided the fraud department 's phone number. 3. ) On XX/XX/XXXX I called the fraud department and they requested additional evidence. I then provided a screenshot of the text message I initially received, a screenshot of the email I received when the hackers created a XXXX wallet, and a full description of the incident. Results : The Chase representative that they would re-open the dispute and re-investigate the claim, and would hear back from them in 3-10 business days. Results : On XX/XX/XXXX I received a second denial letter from Chase. 4. ) I called the Fraud department and requested to speak to a supervisor, and they transferred me to XXXX, from the executive office, who requested me to email all the proof I previously sent to them. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed. After an exhaustive process with Chase with no resolution, I decided to report it to the XXXX Police Department on XX/XX/XXXX. On XX/XX/XXXX, Detective XXXX launched an investigation and issued a warrant to Chase to retrieve the ATM surveillance footage from the day the hackers illegally withdrew money. On XX/XX/XXXX I contacted Chase regarding the Police report and they requested I send over all the previous documents including the police report. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Third party debt collection unlawful reporting of debt

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I was purchasing airline tickets on XXXX 's website. As I was getting ready to check out there was an offer for the United Explorer card that said if I applied and got immediately approved that I could get a {$250.00} credit after the purchase and additional miles after spending {$3000.00}. I used that link to apply for the card and was immediately approved and then used the card to make my purchase. Several days later I called to find out when the {$250.00} credit would be applied to the account and keep getting told they have no record of the credit offered. I have spoken with XXXX and Chase on multiple occasions trying to get this issue resolved. 
I applied for the card using the offer link provided on the XXXX page that was provided online ( a {$250.00} credit to my account with my first purchase and the airlines miles after spending {$3000.00} in the first 3 months. ). I don't know why people keep saying they have no idea what I'm talking about regarding the {$250.00} account credit. This seems like a case of false advertising at this point. I wouldn't have even applied for the card if that offer hadn't been advertised on my purchase. 
On XX/XX/XXXX at XXXX pm, I called again asking for information. The representative told me that the {$250.00} credit would be refunded to my account when the cycle closed on XX/XX/XXXX. I called three times this morning ( XX/XX/2022 ), and the representative told me that there is no refund of this offer in my account. They say that they will transfer me to a higher representative but the call cuts. So, there is no answer. I have recorded some calls for my safety. 
If you check the page of XXXX XXXX, there is an advertisement that offers a {$250.00} credit statement and XXXX bonus miles. It was the same advertisement but XXXX bonus miles instead of XXXX. 
I am attaching a screenshot of the offer shown on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted Nelnet and XXXX numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All Nelnet accounts they are reporting are over 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to 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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: OK

Complaint narrative:
MRS BPO LLC notified me via mail that they were collection on a 'debt ' that they claimed I owed XXXX XXXX 

XXXX XXXX had, in fact, previously charged us incorrectly ( part was an overcharge and part was previously paid ). Through various phone calls, XXXX agents had studied the account and said they would work it out. However, nothing happened, we stopped calling after a while, assuming they had finally done the analysis. Then, MRS BPO contacted me.

I promptly returned the MRS BPO form, advising that the debt is not owed by me.

MRS BPO did not respond to me, but instead filed a collection against me with credit bureaus. 

It is unfair that XXXX XXXX can claim a debt for which there is no signature, and now proof. I can not control how their agent keypunches into their system. 

MRS BPO LLC should not have ignored my response. They should either go to court to try to prove the debt, or cease collection. Filing with the credit bureaus is fraudulent, as they have no proof that I owe the debt ( and I strongly deny it ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Received a copy of my credit report XX/XX/XXXX, I noticed some unauthorized inquires my report, XXXX  credit XX/XX/XXXX XXXX verify XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
I was taken advantage due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Reached out to bank of America regarding unauthorized transactions in the amounts below and they denied my claim. 

XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$80.00} XXXX XXXX XXXX : {$820.00} 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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I deposited a paycheck I received to my citibank checking account they will not give me money back. I've spent hours on the phone with them and visited there branch three times and it's an hour a half from me. I deposited the check on XX/XX/XXXX through the app and it's been more then a month.

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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
After losing my job of XXXX  years making XXXXk/yr I was able to maintain the payments for while with the pay out from my annual leave. When those funds depleted, I withdrew my retirement early and paid them {$24000.00} with little left over. COVID hit and it was really hard to find a job making enough to pay the mortgage each month. I filed hardship along with submitting MULTIPLE Loss Mitigation applications. All denied. So instead of lowering the monthly payment and letting me keep the home I worked so hard to get in the first place, they have decided to foreclose on my home. Im trying to work with XXXX to stop the foreclosure but they needed to get started on that process at least 37 days before the sale date. They are still going to try but feel certain they will not have enough time. I called Rushmore to give them verbal authorization to speak with XXXX. When XXXX called them, they blatantly lied and said I had not called to give them authorization. I had to call back and let them know I DID call and to please note that on my account immediately. Rushmore Loan Management sent me letter DATED XX/XX/2022 to let me know the sale date is XX/XX/2022. Ultimately making it impossible for me to try to get the foreclosure stopped unless I file for Bankruptcy because thats obviously less than 37 days. That is unfair considering losing my job due to budget cuts then not being able to find gainful employment because of the impact COVID has had on everyone. Not to mention, Im on multiple medications for XXXX, XXXX XXXX XXXX, XXXX and XXXX I tried filing for XXXX but was denied because I wasnt having XXXX often enough. I was told by the attorney that if I was having at least 2 to 3 XXXX a WEEK, then they might would consider it. So in other words I would have to go off my medications and risk having a fatal XXXX to be eligible for XXXX?!?!?! I have a good job now as a XXXX XXXX and I love it! I really want to keep my home. What Rushmore is doing is unethical, potentially illegal, and unconstitutional. When I was working at the job I had had for 17 years, I NEVER missed a payment. Its disheartening to believe they cant do SOMETHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I was approved for payment protection protection due to my lost wages from covid 19 and 1 month after payment was was delivered to my account account was mysteriously closed without informing me account has been closed unjustly and illegally creating a negative remarks on credit report I paid Monthly fees to be able To use this option of needed toaccount for this company and has been what does it cost me for over aover here no resolution has been made company not performed due diligence and I am forced to reach out to the bureaus for help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I received a quote from XXXX XXXX  for car insurance but never authorized them to bind the insurance. I was invalidly charged for coverage for {$580.00} from XXXX when I had insurance with another company. I contacted the agent ( XXXX ) and they were able to confirm with XXXX that the charge would be removed and was improper. I disputed the credit report through XXXX. I provided the documentation of invalid debt to the collection agency, Credit Control Service, proving that the debt was not valid, but they refused to remove the debt from my credit report and continue to update the debt as valid monthly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation