vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I told U.S. Bank to close my credit card account in XX/XX/XXXX on the phone. At the time, the customer service representative made me jump through a lot of hoops and kept warning me that closing my account would have adverse affects on my credit score, my home loan, etc. ( none of which was true ), in a transparent attempt to try to make me stay. It took at least an hour, but I was told it was closed. 

In XX/XX/XXXX, I received a notice that I had late fees and a balance on my U.S. Bank card. When I called, it turned out they never closed it, and they denied ever receiving my request to close it. Some recurring charge appeared, they sent me no notice, and then they tried to charge me late fees on top of it. I have had to spend more time calling multiple departments and explaining this over and over before they finally agreed to reverse the fees. This seems like a scheme to me, and probably happens to many of their customersbut they simply pay the fees to make the problem go away. I still have not received any confirmation that my account is actually closed, and there seems to be no recourse or people who I can talk to at U.S. Bank to address the issue.

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with MIDLAND FUNDING on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received court summons on XX/XX/21 without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: OH

Complaint narrative:
There have been several FCRA violations FCRA 611 ( 15 U.S.C. 1681I ) You have yet to provide with information I have requested : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-10-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent Equifax, XXXX XXXX XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NJ

Complaint narrative:
I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax continues to verify inaccurate addresses and phone numbers. Confirmation # XXXX, the address is not accurate and the phone number is inaccurate. Please remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full 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
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
I received debt collection notice from alleged company " Professional Account Management LLC '' dated XX/XX/XXXX for an amount of {$79.00} claiming [ they ] have been retained by the New York XXXX XXXX XXXX 
In the notice was listed my NYS License plate number with toll plaza numbers from a trip I took in XX/XX/XXXX. 
Knowing I did not have an outstanding balance on these tolls, I confirmed this by contacting the XXXX XXXX XXXX and also their collections department. I was assured that I have no account balances related to my plate number, and that no accounts were sent to collections on record. I was also told that XXXX XXXX does not retain the company " Professional Account Management '' for any of their debt collections purposes. 
I also confirmed with my checking account statements, the XXXX payments made by me directly to the XXXX XXXX XXXX in XXXX which satisfied my outstanding balance of my toll violations for this trip in XX/XX/XXXX. 
Upon searching for this company 's website I discovered that my debt collection notice lists a completely different website, phone number, and address than the apparent legitimate company by the same name, which is also debt collection company. No queries of my license plate numbers to the latter produced any record of accounts. 
When I called the number on my notice to directly confront a representative I was given no resolution but only a demand for more of my personal information, and was told that the information she was able to access from her system indeed showed that this is my debt and was opened by XXXX. The representative refused to give me her full name. She refused to provide an address for the company other than the XXXX XXXX XXXX listed in the notice ( XXXX XXXX XXXX XXXX, WI XXXX ). 
She refused to speak jointly with the XXXX XXXX when I offered as a way to mediate the conflict. 
I believe this is a debt collection scam fraudulently using my name and information as a way to extort money from me and I fear the repercussions to my credit as retaliation non payment of a debt I do not owe. 
I have proof of payment for alleged debt and confirmation from the XXXX that they do not retain this XXXXbased company for outstanding collection services

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 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union and XXXX they report each month how much I charge on my credit cards and that makes my score down but I always pay my parlance every month they have to wait a month to report what I still awes I made aispute many times I called trans union and XXXX many time and they never fix the problems.

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 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of identity theft. I do not know who this company is. I never done any business with this company ever. I do not not know how this company got my information. I sent this company multiple letters certified and they has not removed this fraud account from my credit reports. I demand this account to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of XXXX XXXX, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021, there was fraudulent activity on my JPM Chase Bank account through XXXX. Since XX/XX/XXXX was a Sunday, I had to call on Monday the XXXX. I reported the XXXX payments to XXXX for {$800.00}, XXXX for {$750.00}, and XXXX for {$450.00} totaling {$2000.00} dollars. On XX/XX/XXXX I was also experiencing suspicious activity through my other accounts ( emails and social media ) I was getting hacked and reported to Chase immediately. After reporting my case, Chase got back to me on XX/XX/XXXX and decided to not fund me back the money. The reason was because the fraudulent activity was happening through my IP address. I explained to Chase that these charges were not from me and that I have no idea who these people were. I also went on asking Chase to report these accounts since they're involved in criminal activity. Chase told me they are dismissing my case and there is not enough evidence to move forward with it. On XX/XX/XXXX I was receiving texts from Chase saying that my phone number on the account was changed and there was an unauthorized user on my account. This was still not enough evidence for Chase to move forward with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
In XXXX of XXXX  my mortgage servicer XXXX  XXXX XXXX, gave me a mortgage forgiveness of {$93000.00}. When the mortgage was transferred to XXXX XXXX XXXX, the {$93000.00} was added to my mortgage balance. 
I request that the monies be credited back to my mortgage loan balance. 
Currently my loan is being serviced by Rushmore Loan Management Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
On XX/XX/ the sale of my property was handled by a title company. After closing I received a call from the title company telling me that i owed {$2000.00} to my previous mortgage company. I was not notified by the mortgage company as to the nature of the problem nor did the title company contact me as to a resolution to the issue. the previous mortgage company continued to harass me about paying the mortgage in full. Some time later in XXXX when applying for a new mortgage it was found out in a conference call between myself a potential new lender and my previous mortgage company that the title company failed to pay the correct amount the previous mortgage claims they quoted for pay off. the title company claims the amount paid is what my previous mortgage company quoted for pay off of the mortgage. the situation now is i am caught between the two entities and being told i need to pay my previous mortgage company {$1100.00} to have the previous mortgage paid in full. This situation was not created by myself. It appears a funding issue of some sort occurred between the title company and my previous mortgage company. i was lead to believe by the title company at closing that all was in order. This matter needs to be investigated and resolved with out me having to spend money on attorney fees. can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This is a formal complaint against GM Financial located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, GM Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation