vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: TN

Complaint narrative:
Remove the information from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In XXXXXX/XX/XXXX, i opened a Walmart credit card account ending with XXXX, and payments were made to Walmart 's service company XXXX   XXXX. 

Account was in good standing before XX/XX/XXXX took over. So much so that XX/XX/XXXX sent me a check for {$340.00} for over payment and then i was denied access to my account and the account as it stands is {$54.00} over payed. 

Sometime in XX/XX/XXXX, XX/XX/XXXX became the service company for Walmart and the account was in good standings. 

On XX/XX/XXXX the credit card account was interrupted and I was told there was a restriction hold on the account. 

On XXXX XXXX, I called into the designated contact number to remove the hold ; I identified myself by answering all security questions ; i was sent a verification code via text, and i was denied access to the account after verifying my identity. 

I then was given a link to send in my identification ( ID ). I sent both my XX/XX/XXXX ID issued by my XX/XX/XXXX government, and also a credit card, as a 2nd form of ID. 

On XX/XX/XXXX, i was called by a representative XXXX from the fraud department, and she denied me access to my account, i asked for a supervisor. i then spoke to XXXX, employee ID number XXXX who also denied me access to my account. I asked for her superior XXXX, employee ID number XXXX and he also denied me access to my account because they stated they were not able to use my tribal identification issued from a tribal government for verification. i asked them for their policy in writing, they all refused. XXXX, XXXX and XXXX all denied me free access to my account based on my nationality as a native XXXX of the XXXX XXXX tribes, which is discrimination, especially since i am the originator of the first funds, and since CAPITAL ONE is a third party and the original creditor. I have been a customer for many years with the account in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
In preparation to close on XX/XX/2020, I was asked for a Loan Pay Off Statement. I called XXXX XXXX, which is who was the original name on the loan and was then notified that the loan was transferred over to BSI Financial. Once I was connected to BSI Financial, they sent over payoff statement showing that there would be a {$15000.00} extension fee which included a {$300.00} inspection fee, and a {$2200.00} escrow charge for taxes and insurance. I already paid the insurance, so I do not understand the charge. 
I called BSI to ask about the two above charges and they were very rude telling me that in the small print it states that there may be an  extension charge. They would not answer nor discuss any thing with me. When I asked for them to send the paperwork on where I signed for an extension, they sent over someone elses paperwork. This shows me that they typically have paperwork for extensions. They never had me sign nor even discussed with me about an extension. 
The said the loan was due at the beginning of XXXX some time. I did not receive any documentation stating that the loan was due. Nor did I receive any documentation about extending the loan nor agreeing to any fees. I was not given the opportunity to see what other actions I could have taken without being hit with a {$15000.00} fee! In XXXX I did receive a call asking me if they wanted me to take the loan payments out of my account. They stated at the closing that was me giving them authorization to extend the loan. No where on that call did she state that by me giving them authorization to take the money out of my account meant that I was agreeing to be charged an extension fee OR that I was even extending the loan. 
Attached are all the documents that I have pertaining to the loan via me and XXXX XXXX/BSI Financial. In the original documents received from XXXX XXXX it stated that I would receive written notice. I do not understand how a financial institution can charge a large fee without having anything in writing. All extension with their other clients appears to be in writing giving them authorization to extend the loan. ( A sample is attached that was accidentally sent to me from BSI ... they were  telling me that I signed an extension. When I received it, I realized that it did not belong to me and they had it filed under my account. ) I was not granted the same opportunity as this other person ... .to sign and agree to the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
A collection agency named IC Systems is reporting that I have a {$570.00} debt with XXXX on my credit report. When I found out about this, I contacted XXXX immediately. The informed me that a large portion of that debt was for unreturned equipment. I made arrangements to return the equipment, and did so. Once the return of the equipment was registered, the rep at XXXX  told me that I still had a remaining balance of {$190.00}. I tried to pay XXXX   directly, but they told me that I had to resolve the remaining {$190.00} with IC Systems. I have been in contact with IC Systems directly, but they are still trying to collect the full {$570.00} balance. I have explained to them about the revised balance, due to the return of the equipment, but they refuse to acknowledge the adjusted amount. I've even given IC Systems contact information to the people I dealt with at XXXX, but they refuse to follow-up and confirm the changes. I have no problem accepting responsibility for any balance I have, but I refuse to pay a collection agency {$300.00} more than I actually owe, and its illegal for IC Systems to continue to ask for more than the actual debt is.

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 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through  this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-09-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Order XXXX was placed and billed to my target credit card on XX/XX/2020. Target shipped the goods 11 days later on two separate tracking number. Tracking XXXX was refused and returned to XXXX. Til date I have not received XXXX for the returned item that was never received. I've called several times and was transferred numerous times. No goods or funds. I desire a refund of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I contacted NAVY FEDERAL CREDIT UNION about the compromising of my ssn of which accounts were fraudulently opened in my name. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX in which I have provided the company along with my dispute. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states that these accounts must be removed within 4 Business Days of receipt. The company has yet to remove and block these items which are fraud and which are violating my rights.ALSO, I also want to add that this is an ongoing issue as the referenced accounts were deleted and blocked and then re added by changing information on the alleged debt. I would also like to add that the company is changing information on the debts such as amounts and account numbers just to add the debt back which is in violation of my consumer rights. The following accounts are as follows 1.NAVY FEDERAL CU {$16000.00} XX/XX/XXXX original account number reported as XXXX now reporting as {$16000.00} XXXX 4.NAVY FEDERAL CU {$1700.00} XXXX original account number reported as XXXX. Now reporting as closed no payment due and account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
( XXXX XXXX/XXXX  or Clear One Advantage ) On XX/XX/XXXX I received a phone call and email from XXXX  XXXX. I called back and was advised he was gone for the day and he would attempt to contact me back. Never received response via email or phone. I called back on XX/XX/XXXX and was on the callback list. The lady I spoke with May have stated her name, but I do not recall. Nevertheless, she stated she was my account manager and proceeded without verifying to WHO she was speaking with. Immediately after the call I emailed XXXX. Received no response. After that I emailed the company customer service twice and still received nothing. I advised I would contact the XXXX  and the CFPB for the lack of professionalism and lack of verification.XXXXI was also previously advised to put a stop payment in the month of XXXX through my bank I have ACH setup with and they NEVER said they would give me an NSF fee. I advised the agent I will not be paying it and they attempted to get it waived but their Supervisor denied me. 

I also attempted to remove my account from ACH and they said they are unable to. I feel that that is misleading and a violation of UDAAP. 

I definitely believe their lack of customer service and being courteous to their customer is horrendous and they definitely should be audited.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Asset Management, LLC
State: AZ

Complaint narrative:
XX/XX/2020 XXXX pm mountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX . i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from Pinnacle, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with XXXX XXXX. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a black list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people

Company response to consumer: Untimely response
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Did you certified to the bureaus that the account XXXX was reporting accurately before XX/XX/20? XXXX or no? Because you reported false information to the bureaus about me and therefore you must delete account XXXX I supplied you factual information and proved you wrong therefore you will have to remove this account from all bureaus you will not go in and add information that was provided to you. Due to the fact thats what you guys do dont verify anything so no you will remove this account immediately no ands buts.

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 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
AXCESS FINANCIAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently review my credit report and I contacted Experian so I can remove an inaccurate address which I have never lived at. Experian has refused to move the address. I would like the address Deleted from my report. I have never lived there. The address is XXXX XXXX XXXX, TN 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 2020-09-17 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: NY

Complaint narrative:
I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.

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 2020-09-17 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: NY

Complaint narrative:
I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX charges my credit card and my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 - I was alerted through XXXX XXXX that AWA collections added a derogatory account. Upon further investigation- this account was sold and transferred. A bill without a written signature does NOT validate a debt. Per FCRA, AWA violated my rights.

Company response to consumer: Closed with explanation