vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My 7 credit cards has disappeared from my credit file and my fico score decreased.All these credit cards are in good standing. I called Experian and asked the reason.I was told that I disputed so they removed.I told that I never disputed these credit to be removed and there is no reason I would do it.They said they have documents that they prove it.I asked who gave permission to do so.And they are putting all on me.I explained million times that I did not do it and I spent hours to explain. But now they want to contact all credit card companies to reinstate and report to experian.But I told them it was their fault they fix it. But said I need to call, wasting my time and not even sure how long it will take.Experian is responsible for mess up they need to contact all credit cards to fix.Why should I take headache.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I was notified by text that my Bank of America credit card was used for purchases and I immediately notified Bank of America via text that I did not make those charges. On that same day, I called the bank that I never received my card ; therefore, those credit card charges were fraudulent. The Bank of America representative filed a fraud claim, issued a temporary credit for {$1300.00} while Bank of America 's fraud team investigates my claim, and I received a replacement card which I activated in late XX/XX/2021. 

On XX/XX/2021, Bank of America denied my claim and reversed the temporary credit. When I called a Bank of America representative, I was told that the Bank of America fraud team never documented that my card was stolen ; therefore, Bank of America made it seem like I made those charges in XX/XX/2021. My case was reopened on Wednesday, XX/XX/2021 and denied a second time on Wednesday, XX/XX/2021. While calling the bank again, I was told that the fraud team ignored that my card was stolen/never received. Through my various conversations with Bank representatives and two appointments at the Bank 's XXXX office, the bank 's fraud team acted accusatory and has treated me poorly. 

To make matters worse, I was told by a Bank of America representative ( " XXXX '' ) during my second in-person appointment on Tuesday, XX/XX/2021 that the last four digits of the phone number used to activate my stolen credit card does not match the last four digits of my phone number that Bank of America has on file. 

I filed a police report on Saturday, XX/XX/2021 and I was able to obtain the police report on Tuesday, XX/XX/2021 that ascertains the facts I have presented to Bank of America.

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 2021-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year American credit Acceptance sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. Experian, XXXX and XXXX have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.

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 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my financial institution, Bank of America, withdrew money ( in two transactions ) totaling {$4500.00} from my checking account to satisfy delinquent revolving consumer credit card debt that was being charged off by the bank. Federally chartered banks like Bank of America are prohibited from using offset to satisfy consumer credit card debt as per federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX closed with a balance of XXXX $ sent to collections I settled with the collection agency of XXXX on XX/XX/2021 would like this off of my credit report. 

XXXX XXXX closed sent to collections with a balance of XXXX called XXXX on XX/XX/2021 they took it out of collections and I paid the full amount would also like it off of my credit report. 

Chime credit builder card- the account has no current balance owed would like this off of my credit due to me closing my checking/ savings along with my credit builder card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEMS INTL IN is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for the XXXX card by Capital One since I was lead there by an advertisement stating new cardholders would receive a XXXX $ bonus if they spent XXXX $ within the first three months of opening the card. I clicked apply, still have a picture of the same advertisement, and got a response stating to confirm the terms to my new XXXX card. I proceeded to spend over XXXX $ in the first month alone. Come to find out I did receive the XXXX card, but this was a special XXXX card. The only difference is that there is no signup bonus, the only reason I got the card in the first place. They say the terms I agreed to was a " counteroffer '' with a special XXXX card without this bonus. The advertisement, which is still on their website, was a misleading tactic to get me to go to this company without giving me anything in return. There are hundreds of credit card companies out there, all of which with some signup bonus, and there is no reason they should expect someone applying for this bonus to have any need for the card without it. I feel completely taken advantage of by misleading advertising tactics. After talking to 4 different people and a process of being hung up on and put on hold for a total amount of time of 2 hours, they said they couldn't give me a single reason as to why I did not qualify for the bonus. What is wrong with me that I get the XXXX card, except I don't get the signup bonus, which was the only reason I wanted the card. They said they can not put in a request to review this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I paid off my house XX/XX/2021 And I have yet to receive my escrow refund monies in their entirety. 
They keep telling me that 'the check is in the mail '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase failed to credit my account for 2 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 2 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase erroneously grouped all items ( including the once they were unsuccessful without noticing the 2 which they were successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 2 which Chase did collect must be credit to my account without further delay. 
- See my letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I did what the company has asked me to do to unlock my account, now they are completely silence again, no response, no update and my account is still locked. As a reminder, this is their fault to begin with to lock my account WITH NO REASON whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent activities.

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 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I received a letter from Halstead Financial Services. It said I owed {$540.00}. There was no explanation. It also said XXXX XXXX XXXX had purchased my XXXX account from XXXX XXXX. When I called the phone number on the letter a woman said I had purchased an oil filter on XX/XX/XXXX for {$120.00}. I never made this purchase. She said it was through XXXX and that I had used XXXX. I have never used XXXX. She said letters were continually sent to XXXX XXXX XXXX XXXX in XXXX, CA to get me to pay the bill. I never lived at this address. She said interest had accrued from XX/XX/XXXX to XX/XX/XXXX and that now I must pay {$540.00}. She said to resolve this issue she would send me documentation to fill out. I received this documentation today. It asked for my Social Security #, Driver License #, my current address and how long I lived there. This second documentation used the letterhead XXXX XXXX XXXX. Both XXXX and XXXX had XXXX. XXXX numbers. There was no signature on either letter. They gave a phone # XXXX. I did not use their email address to contact them. I am sure this is fraud. I will contact the police and ask their advice. Please tell me your opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 



Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX, and XXXX XXXX and XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 

Provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 



Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ). 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 



Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above reqd proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX.-Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCRE is claiming that I owe them {$2300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: WI

Complaint narrative:
FH Cann has been repeatedly calling me and asking for XXXX about a debt. They stated the debt is from late XXXX. Theyre citing a college I went to but I graduated in XXXX. The woman was very aggressive and I kept asking for a debt validation. I have never received any mail or verification from them about any debt. I want them to stop calling immediately and only correspond by mailed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Amex to encourage me signing up for the platinum card and will receive the welcome bonus of 100,000 point if I signed up and spend {$5000.00} in 6 months. But when I got approved, customer service said I was declined to get the offer. 

Amex didnt tell me any reason about it upfront until I reach out to customer service to verify if the bonus was gone through. That means If I didnt contact them at all, I would spend thousands of dollars and would not receive any bonus at the end. Duing my application process, Amex also did not provide any info about their declination for my bonus. 

I found their information misleading. And I am very disappointed that they processed my application far different from what they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Alliant Capital Management LLC
State: MI

Complaint narrative:
I've received repeated calls at all hours from a company by the name of Alliant Capital Management. The most recent call was at XXXX XXXX. Thinking it was an emergency I called the number back and received a voicemail for a person named XXXX at the above named company. This is absolutely ridiculous. I contact my creditors directly from the companies listed on my credit report. I do not answer numbers I don't know and I don't deal with companies who want money over the phone. I pay my bills that I receive by mail and that are listed on my credit report. These are extremely aggressive tactics for a debt that isn't proven to be mine. I've gotten calls before XXXX XXXX, after XXXX XXXX. It's not right. No other company has EVER behaved this way. I received voicemails threatening legal charges, that I could go to jail. I'm not stupid, I know that no debt, unless fraudulent, can put me in jail. I've committed no fraud so I know I'm in the clear. But I will not tolerate someone trying to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
I reviewed my credit reports with TransUnion, XXXX  and XXXX  and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.

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 2021-04-14 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 reviewed my credit reports with XXXX, Equifax and XXXX and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.

Company response to consumer: Closed with explanation