vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is in violation by allowing and debt collector to place a collection account of an alleged debt on my credit report. Account opened XX/XX/2019 in the amount of {$57.00}. I have sent Equifax multiple certified and notarized dispute letter with no response. Equifax has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
Equifax has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/2021 certified mail sent to an address that never belonged to me. 
XX/XX/2021 court document along with a credit card statement also taped onto the front door of the same address that never belonged to me. The owner of the address contacted me and sent me photos of the documents that was taped on the front door! The company is Midland credit management. They have my correct address and Ive never been contacted at my home regards to this issue. Ive called midland credit several times and can not get any information about this account until Im giving them my personal information on which Im refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. 

This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. 

Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. 

An affidavit has been signed affirming these facts on XX/XX/XXXX. 

When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. 

I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have been given no explanation or answers about when my stolen funds will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express Bluebird has a serious security flaw with their prepaid cards. My account and my husbands account has been depleted from funds in different states without the physical card. American Express receives your complaint and then tells you it will take up to 45 days to complete the investigation. This is ridiculous, but thankfully I am only adding a little bit of money at a time to my card, {$200.00}, but enough for me to now write a formal complaint. I have not been receiving text transactions like I am set up for, and nor did I notice the charges that seem to be done here and there to avoid being caught. Amex hires people from the XXXX to handle all calls, including fraud calls, who have no experience with this type of thing nor do they seem to care. My account was charged, w/o the physical card in XXXX and Illinois since XXXX. My husbands card was also compromised and was used w/o the physical card at a XXXX XXXX in North Carolina last year. Once I submit my claim to Amex Express, I am never using this card again, and if they are going to pretend to be a financial institution, there should be proper protections put in place to avoid these fraudulent transactions, and they should not take up to 45 days to investigate a fraud complaint. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
Incorrect reporting of my name and address on my credit profile. I have sent dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for Equifax to remove all the incorrect information per 30 to 45 days guide per FCRA. I am force to submit an complaint and it's causing me to not getting approved for loans and employment to this information being reported incorrectly. 

Incorrect Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked them to remove all inquiries because I didn't apply to any of these companies. 
- XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
HELLO, I HAVE CONTACTED CITIZENS ONE LOAN ABOUT MY UNPAID PROPERTY TAXES AND ESCROW ACCOUNT. ON XX/XX/2020, THEY SENT A PAYMENT TO MY PROPERTY TAX AUTHORITY, BUT UNFORTUNATELY, THEY MADE A BIG MISTAKE AND SENT IT TO THE WRONG PROPERTY PARCEL ( WHICH IS NOT EVEN MINE ). I HAVE CONTACTED THEM NUMEROUS TIMES FOR THEM TO FIX THIS AND THEY HAVE FAILED TO DO SO. EVERY TIME I CALL, I SPEND AT LEAST 1HOUR AND A HALF WAITING FOR A SUPERVISOR AND NOONE IS EVER AVAILABLE OR CALLS ME BACK. EVEN AFTER THE REP SAYS THEY WILL CALL ME. ALSO EVERY TIME I CALL I HAVE TO EXPLAIN THE SITUATIONS BECAUSE THERE IS NOT EVEN A CASE NUMBER. ALL I GET FROM THEM IS THAT THEY ARE STILL INVESTIGATING. I HAVE CONTACTED THE TAX AUTHORITY AND THEY HAVE EVEN PROVIDED A WEBSITE FOR THEM TO VERIFY MY PARCEL. I FINALLY WAS ABLE TO SPEAK TO A SUPERVISOR AFTER MOPNTHS AND SHE WAS LITERRALY RUDE AND SAID THAT IT WAS NOT UP TO HER. I ASKED FOR HER TO PLEASE ESCALATE THE ISSUE AND IS BEEN 4 MONTHS AND THIS HAS NOT BEEN RESOLVED. I DO NOT KNOW WHAT TO DO ANY MORE. JUST FOR THE RECORD, CITIZENS BOUGHT MY LOAN WHICH MAKES IT EVEN MORE FRUSTRATING AS I HAVE READ ONLINE ABOUT MULTIPLE PEOPLE HAVING THE SAME ISSUES. I AM HONESTLY OUT OF OPTIONS. 

XXXX XXXX XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: FL

Complaint narrative:
I connected with someone on XXXX who had a profile as an instructor at the XXXX XXXX XXXX University in XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the ASA/FMC account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward sending bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. So I let Bitcoin of America, the bitcoin company that I had purchased all of the bitcoins from and had them sent into the wallets he sent me, by filing a request for assistance from them online so I could get either the money or actual bitcoins back in my possession. They have never responded and that is what this complaint is about. Because I have had no help from them or the credit card companies ( which I will file separate complaints about ) I am stuck with approximately {$100000.00} in debt. 

Here are the dates and amounts of the funds sent through to him via Bitcoin of America : XX/XX/2020 -- {$17000.00} ; XX/XX/2020 -- {$4000.00} ; XX/XX/2020 -- {$7500.00} ; XX/XX/2020 -- {$4500.00} ; XX/XX/2020 -- {$7000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5900.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$3000.00} ; XX/XX/2020 -- {$1600.00} ; XX/XX/2020 -- {$1600.00} ... total = {$58000.00}. I am missing the receipt for another smaller amount I sent through on XX/XX/2020. 

The remainder of the debt I incurred involved him having me send a cash transfer to a bank account of someone in Texas that he said was a bitcoin escrow account, buying 5 XXXX and sending them to a shipping company in Illinois that he said would sell them and send him 75 % of the proceeds as bitcoins and 5 or 6 gift cards, 3 of which he had me send the information through to someone who was supposed to be his software developer updating his cell phone software and 2 of which he had me send through to him while he was allegedly on his way home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
This company called me today and attempted to force me to disclose personal information while refusing to tell me who they were. They would not tell me what their company is and why I was being called. I was told numerous times that they didnt have to tell me anything, arent legally required to tell me who they are, and would only tell my lawyer who they are. They were aggressive, blatantly rude, and very dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX, stating that I owed an amount of {$480.00} for XXXX XXXX. While I did at one point have XXXX XXXX, I couldn't keep up with the amount that was being requested. When I signed up originally I was told the bill would be $ XXXX and it ended up being upwards of $ XXXX. At time of setup, the associated located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX told me that if I wanted to stop service I could do so at any time with no repercussions and the plan I signed up was not a contract. One of the reasons I signed up for XXXX XXXX was because they had tv commercials stating it was not a contract. When I received this letter, I promptly wrote them back ( via snail mail so I have paper records ) asking them to show me the contract because I had no idea why I was being taken to collections for a month-to-month plan. ( See XXXX and XXXX for examples. ) Furthermore, on every other month-to-month plan they turn your service off if you don't pay yet somehow the bill went up to {$480.00}, how does that make sense when I did not have service for any of the time that they're trying to collect.They wrote back, 23 days later, only supplying a bill from XXXX but no form of contract or anything requested. I have requested them remove it from my credit and told them multiple times that I did not sign a contract, and they are still refusing to do so. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Last XX/XX/2020 covid-19 hit and I was furlough from my position. I received a late payment of 30 days in XX/XX/2020, XX/XX/2020 - 60 days and XX/XX/2020, I explain to them that at this time I was not working and my unemployment hadn't started. Covid-19 was a nationwide impact on everyone. I work for this company for 10years and I've also been a loyal customer. I encounter hardship during a nationwide pandemic and they are stating there is nothing they can due for me. I also stated that I contacted them in XXXX to help with payment assistant and the representative did not sign me up and I called back in XXXX when I notice that I had late fee ... they removed all the late fees and credit me back but still report to the credit bureau of my late payments. Since then I have been on time with all my payments and they have also upgraded me to a black card/loyal customer. Covid-19 had a big affect on me and my living situation like a lot of people and I just want help resolving this issue, I think it is unfair that they are not taken in to consideration of covid-19.

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 2021-03-29 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:
XXXX XXXX XXXX has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, XXXX XXXX XXXX has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.

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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2021 a credit card for {$430.00} was put in my name without my permission. The company attempted to collect debt, I informed the company that, I was unsure of who put the credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates LLC has violated all of my federally protected consumer credit rights. Pursuant to 15 USC 1692d, Portfolio Recovery Associates is threatening me via false debt collection letters, and also by reporting fraudulent consumer claims on my credit reports. The statue of limitations has expired on this account, and they are still harassing me for payment. Portfolio Recovery Associates LLC has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

Pursuant to 15 USC 1692c ( c ) 2, I am invoking my specified remedy as a consumer, and I am the Original Creditor. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
I have been a victim of fraudulent activity on my account. I have made a Police Report with the XXXX County Sheriff 's department under XXXX, in which I described how someone used my debit card information and charged nearly {$310.00} cents from my account. I called the dispute deparment of Midfirst bank, and told them that someone used my card, and the dispute department closed my case saying that someone had the card and used it physically. Some of the charges are as follows XXXX XXXX  XXXX- XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX car wash XXXX XXXX- XXXX XXXX XXXX There was even a XXXXXXXX XXXX  charge on the account for nearly XXXX. 


The police officer who took the report indicated that my information could of been taken with a " skimmer ''. 

The dispute department at Midfirst have failed to even look into this as well.

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
On XX/XX/21 at XXXX calls received from UNIFIN XXXX XXXX after repeated requests to stop calling. 
Would not state reason for call or who was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MT

Complaint narrative:
I began the mortgage refinance process with Amerisave on XX/XX/XXXX. After multiple requests for additional documents and two closing dates rescheduled due to Amerisave 's lack of paperwork to the title agent, I finally closed the refinance on XX/XX/XXXX. The Closing Disclosure issued at this closing still had the {$670.00} prepaid cost for the appraisal in the incorrect column, showing " Borrower-Paid at Closing '' when it should have been in the " Borrower-Paid Before Closing ''. I did not want to delay the refinance any further, and Amerisave Loan Originator XXXX XXXX assured me this was an easy fix after the closing ; the {$670.00} prepaid Appraisal Fee would be reimbursed to me in a separate transaction since it would not be in the " cash to close to borrower '' disbursement from the XX/XX/XXXX closing. 

A revised Closing Disclosure was issued by Amerisave on XX/XX/XXXX with the prepaids in the correct columns, and I assumed a check would be coming in the mail. 

Several more emails and voicemails were sent to XXXX XXXX asking for an update, or for another person to contact regarding the {$670.00} reimbursement for the appraisal. A response from XXXX XXXX on XX/XX/XXXX indicated he " sent my emails over to management as well as all parties involved in the closing will update you soon as I am able and will get you a point of contact with someone else besides me so you can speak with someone in another department as well. Be in touch soon! ". 

An email was sent to me on XX/XX/XXXX by XXXX XXXX of XXXX, the closing company, asking for signatures on another Closing Disclosure form, showing the prepaid appraisal in the correct column. The email stated " Lender needs this final CD signed. '' The Closing Disclosure was signed and returned on XX/XX/XXXX. Again, I assumed this would trigger a refund of the prepaid {$670.00}. 

I sent an email to XXXX on XX/XX/XXXX asking if there was any progress on the money owed to me. No response. 

Today is XX/XX/XXXX and I still have not received the {$670.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation