vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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:
I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name. I called after they received my dispute and was told due to the dates not being present they would not delete this fraud information. I am sending this back with the correct dates to have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My recent Mortgage servicing has been sold by XXXX XXXX to Shellpoint Mortgage Servicing ( c/o XXXX  ). It's been transferred already to Shellpoint on XX/XX/2021 as instructed to me via letter ( attached ) from original servicing company. Since I received the transferred confirmation letter, from XX/XX/2021, I am repeatedly calling ( and requesting ) to this new servicing company - Shellpoint to provide my account information and payoff balance and all other necessary mortgage account information so I can pay my monthly mortgage payment before due date and also I can refinance on time. Every time, when I have called their customer service is unable to pull up my account information using all my information including my SSN/Property address/temporary account number etc. Finally, I have spoke to their Supervisor, and he mentioned me a 10 digit account number " only '' and he denied to provide any other information to me, but I can not access their payment website using that number ( attached ). My due date is coming soon, and I have no mortgage reference number/account number to pay my monthly payment. Also, my refinance company is waiting for this since XXXX. 
I am nervous now that Shellpoint is preventing me to pay on time, and forcing me to miss payment and attempting to damage my credit, also preventing me to refinance and probably attempting to sell my property in foreclosure. 
I have a XXXX son, and now I am struggling more with all these mortgage servicing negligence caused by Shellpoint Mortgage Servicing & XXXX XXXX around the clock. 
Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express credit card provides a feature to extend warranty of a product by 1 year in addition to the original manufacturer warranty. I had bought an XXXX XXXX in XXXX of last year via this credit card from XXXX XXXX and all of a sudden the product stopped working couple weeks ago. I called American Express and filed a claim and was told that they will send me an email if they need anything else. I called again after 3 days of filing the claim but the person said I can not provide you the status and I will receive an email in couple days. I then receive an email stating that this feature is not available on my card. This is totally inaccurate/false as I have used the same feature before on exactly the same card and even there website provide this feature description after I logon to my account on their website. It is totally unfair and bait and switch practice that is just hard to accept. I am providing the key details below : Amex Claim # XXXX XXXX XXXX Charge Amount : {$270.00} Date : XX/XX/2020 Product : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from XXXX agency XXXX XXXX  XXXX. COMMONWEALTH FINANCIAL OPENED TWO COLLECTIONS AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I disputed a charge for {$72.00} because I was not given back my deposit I put down for a loaner car. My car was ready to be picked up on a Saturday and this dealership closes at XXXX on saturdays and I was working and unable to go at that time and they are closed on sundays, which means the only day I could return the car was on Monday and I shouldnt be charged for that and the service manager at XXXX said I wouldnt be. Chase obviously did not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-17 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: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NY

Complaint narrative:
As I stated in my last complaint XX/XX/XXXX. Paying my capital one quicksilver bill is a nightmare. My card gets put on hold or my money gets put on hold for weeks EVEN though I am paying the bill early and from the capital one 360 checking app. Today XX/XX/XXXX, I spoke to a supervisor of capital one who informed me that I would not have use of my balance for another 26 days. Even though I paid my bills before due dates. She informed me that this was some for my safety. XXXX! Capital ones system is trash. Why is my account being targeted??? I have reached out to a lawyer to figure out what can be done to stop this HARASSMENT, because that is what it feels like!!!!! Every two or three months my account is put on hold for no reason! Every two to three months I have to waste MY TIME to call this XXXX  BANK to have them release MY MONEY!!! I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Still charging interest on purchases from their previous delay in posting payment in XX/XX/2021! This is ridiculous!!! On the statement with due date of XXXX, they have charged {$7.00} in interest. ALL PAYMENTS HAVE BEEN PAID IN FULL EACH STATEMENT AND ALL INTEREST CHARGES SHOULD BR REFUNDED! 
I believe their processing of payments is extremely slow! This bank is frauding their customers and should be audited! They are very uncooperative and representatives are like robots!! 

Please resolve this claim, along with the other FOUR ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: FL

Complaint narrative:
I leased this car in NJ and paid the 6.625 % tax rate. I moved to Florida where the state 's and county 's total sales tax on cars is 7 %. US Bank is trying to charge me the full 7 % sales tax in Florida when I should only owe the difference between NJ and FL sales tax. They refuse to fix the issue. I have called three times.

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 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Block, Inc.
State: IL

Complaint narrative:
Someone keeps opening cash app cards in my name and sending to a relatives address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CA

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CA

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: TN

Complaint narrative:
ATG Credit mailed me a notification of debt collection dated XX/XX/XXXX. Due to mail running behind, I didnt receive letter until a week later. I faithfully check the mail but didnt get this letter until XX/XX/XXXX. On the letter, I was given 30 days to request the validity of this letter. On XX/XX/XXXX, I mailed a debt validation letter to the company. A few days later, theres no copy of the debt validated. However, theres been a change to my credit report. The debt has been reported to the credit bureaus. 30 days from XX/XX/XXXX is not XX/XX/XXXX, which is when this report was added. This is unfair because how can you report the debt before the 30 days are up? Also, how come I never received a copy of the debt validation before appearing on my credit report? This company isnt honoring their own 30 days policy to let clients request debt validation by reporting to the bureaus before the 30 days are up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CRE Credit Services
State: AR

Complaint narrative:
I signed up with XXXX XXXX XXXX  back on XX/XX/2021, they set me up to pay an up-front fee of {$140.00} on XX/XX/2021, and to pay {$99.00} a month after that. At that time, I was not aware that A Credit Repair Organization was not supposed to charge an up-front fee for Credit Repair Services. After two months went by without seeing any results, I canceled their services. It is apparent that XXXX  did not perform any of the duties they were supposed to perform, because I never received a letter from any of the Credit Bureaus based on the disputes that should have been conducted. 
The only work I received that was done by XXXX was my Credit Report being pulled by them. My XXXX  sent disputes letters to the Credit Bureaus on my behalf, and I saw results within the first month and that showed me that XXXX did absolutely nothing but rip me off! I paid a total of {$240.00}, and I would like a full refund back! The Documents are attached to this complaint. 

According to Federal Law, no credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-17 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: NJ

Complaint narrative:
I used a CITI credit card to pay the down payment to a XXXXontractor ( XXXX XXXX XXXX ) to work on my house. After the first day it was obvious that he did not know what he was doing. I fired him and instructed CITI card to cancel my down payment ( {$2000.00} ) CITI card decided to do nothing. I am suing the contractor because he presented a false profile and false references on XXXXXXXX XXXX XXXX and did unprofessional work. I am also filing complaints against XXXXXXXX XXXX XXXX because they presented a false profile of this contractor and many false references. The problem with CITI bank is that they did not investigate anything. I am suing XXXX XXXX XXXX  for my {$20000.00} back. I am also pursuing a complaint against XXXXXXXX XXXX XXXX and I want to file a complaint against CITI Bank. They failed to represent me fairly in this case and it is costing me time and money. I want to sue them for that time and money,

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 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-07-17 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: Grain Technology, Inc.
State: GA

Complaint narrative:
XX/XX/2021 and XX/XX/2021 I received confirmation that my account was set on autopay. My account was linked via plaid. The email confirmations sent on XX/XX/XXXX, and XX/XX/XXXX state my payment is set for auto draft, but as of today they are reporting a 30 day late payment which is incorrect. There system has major technical issues ; their system shows as of today I owe {$17.00} while at the same time I have a XXXX balance. They confirmed via email that my balance is XXXX and they returned my security deposit in XXXX. In XXXX they sent notice that their system was having issues but they refuse to respond to my request to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation