vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I closed my Citibank secured card on XX/XX/XXXX due to my card not graduating to an unsecured card. The representative told me at the time that my security deposit of {$200.00} would cover any outstanding charges, etc. I received an email from XXXX that my account was closed voluntarily. However I was made aware that Citibank charged a late payment fee for XXXX when I had already made a payment of {$180.00} on XX/XX/XXXX. THEN they charged me an over the limit fee because of the incorrect late fee. Im already frustrated that they wouldnt graduate my card that I've had since XX/XX/XXXX to unsecured when I never missed a payment! Now they are trying to charge me additional fees to close my account! I believe this is a retaliation method they are using because I am closing my account. I did speak with a representative by the name of XXXX on XX/XX/XXXX who helped me greatly and was able to remove the incorrect fees. She explained to me that the person I spoke with told me incorrect information and everything in detailed 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 2021-07-20 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
amex travel rewards unusable, frozen and made very difficult to use. I am unable to use my points, called amex travel, after multiple hold, hangups, and 5 hours of waiting, was told i can not use my rewards points online or over the phone, kept transferring me to different people departments, hanging up the phone and i still do not have a solution, amex refuses to refund my annual fee and i can not use my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Continue to have problem login Chase and mismanagement of reverse of fee they take to the money away from me when then should add to my account please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: OK

Complaint narrative:
OnXX/XX/XXXX 2021 I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion, XXXX, and XXXX  credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!

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 2021-07-20 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: MN

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-20 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: OH

Complaint narrative:
I sent a debt validation letter XX/XX/2021. This company has failed to validate my debt. Instead they sent a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file, and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my XXXX, equifax, and XXXX credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: NY

Complaint narrative:
On XX/XX/2021 I received a letter from American Coradius International ( ACI ) LLC in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give ACI prior consent to any communication with me. ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from American Coradius International ( ACI ) LLC located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give ACI prior consent to any communication with me. 

After I disputed this alleged debt with ACI, ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I sent money from XXXX for someone online sell glove but after I sen money she did blocked me on XXXX, I called my bank wellsfargo stop the transfer but they cant

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 2021-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As per inclosed documentation from XXXX  and the actual XXXX  XXXX late payment on my report was placed incorrectly. 
However XXXX  and Equifax continue to report information that was admitted by XXXX and XXXX as incorrect. 
Inclosed is a all related documentation including reply from the Attorney General of NYS, screenshot of the current reporting status by all 3 credit Bureaus. 
As per attached document the maturity date of the account is XX/XX/2020 but yet XXXX is reporting late payments on the account is closed and paid off. 
Terms of lease according to furnisher is 6 month and yet expiring is listing it account status still open and terms of the lease is 36 month .Equifax is not reporting terms of the leas and reporting account Paid .No investigation was ever made by XXXX  or Equifax and I have never received any investigative report .FCRA violation and violation of NYS implemented rugulations that the furnisher must submit verification/modification of the account on a carbon copy and that CRA must retain this copy and supply the consumer if such carbon copy is requested .I have never received any pice of paper from this 2 Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

2. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I received a letter from American XXXX XXXX XXXX XXXX XXXX XXXX in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give XXXX prior consent to any communication with me. XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give XXXX prior consent to any communication with me. 

After I disputed this alleged debt with XXXX, XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner need to understand that I do not owe XXXX  insurance. I called to stop the insurance, they mistakenly did not stop it. So they wanted to charge me a full premium for one month. I called and said they would arrange to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
IN XXXX OF THIS YEAR I SUBMITTED A COMPLAINT AGAINST SELECT PORTFOLIO SERVICES FOR XXXX MY HOUSE PAYING AFTER JUST ONE FORBEARANCE PLAN I WAS DENIED 2ND FORBEARANCE PLAN AND WAS TOLD I DIDNT QUALIFY FOR A MODIFICATION WHY WAS I DENIED A SECOND FORBEARANCE PLAN???? AFTER SELECT PORTFOLIO SEVICES TOOK 2 MONTHS TO GET BACK TO ME EACH TIME I ASKED FOR HELP I KNOW I AM NOT THE ONLY ONE I ALSO SAW COMPLAINT AGAINST SPS ON THE XXXX  COMLAINTS SAYING SPS TOOK MANY MONTHS TO GET BACK TO THEM WITH MODIFICATION RESULTS OR WE DIDNT SUBMIT ALL THE PAPER WORK WHEN WE DID SPS WOULD JUST COME UP FOR ANY REASON BECAUSE THEY HAD SO MANY PEOPLE ASKING FOR HELP THEY WERE NOT PREPARED SO OUR MORTGAGE PAYMENTS PILED UP I DONT CARE IT SHOULD BE ILLIGAL FOR A HOMEOWNER TO LOSE THERE HOUSE BECAUSE THEY LOST WAGES JOBS TOLD TO STAY HOME DUE TO A PANDEMIC WE HAD NO CONTROL OVER MY HOME IS IN XXXX COUNTY CALIFORNIA XXXX XXXX IS ONLY XXXX MINUTES AWAY SO THAT MEANS WE WILL BE TOLD TO PUT OUR MASK BACK ON BECAUSE LA IS GETTING HIT HARD AGAIN WHERE IS THE BILLIONS CALIFORNIA IS SUPPOSED TO GET I REACHED OUT TO HUD MY COUNCELOR SUGGEGESTED I FILE ANOTHER COMPLAINT BECAUSE SPS DENIED ME TO MODIFY MY LOAN I DONT CARE GIVE ME A 4O YEAR MORTGAGE CALIFORNIA IS TRYING TO FIND HOMES FOR THE HOMELESS NOT MAKE MORE FAMILIES HOMELESS I AM A XXXX XXXX WHO WORKED HARD FOR THE AMERICAN DREAM SO I AM SUBMITTING THIS COMPLAINT BECAUSE MY HUD COUNCELOR SAID THEY CANT DENY MY A MODIFICTION APPLICATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I will Provide my paid receipts. The bill is paid off by a third party, when I Inquired I was informed by XXXX Staff that it was paid in XX/XX/XXXX. I never paid XXXX on the bill now the Water bill is XXXX dollars plus credit of overpayment. XXXX  XXXX  never informed me that the bill was paid off by a third party already, and continue to take payments from me. I have also attached documents on the online account that states no payment history. How can anyone pay a water bill with no payment history. There has also been reported that my home was abandoned to XXXX XXXX  XXXX back in XX/XX/XXXX which is false. There is fraudulent activity going on with my home, and I dont own this bill that has already been paid the village is double dipping on payments with my water bill. This is not the first time this has happened since XXXX. XXXX XXXX  has not provided any documents of the third party payment on the Water bill account. Im requesting my refund of XXXX that I do not owe with XXXX XXXX. This information has also been faxed to Capital One as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OK

Complaint narrative:
On my XXXX, XXXX I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX erased my student loans as requested with all credit bureaus. However, Equifax missed the elimination process. I ask Equifax to reinvestigate the matter and delete the XXXX student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX /XXXX XXXX is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CO

Complaint narrative:
TransUnion has denied my request to remove inaccuracies appearing in my credit file.

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