vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: TN

Complaint narrative:
I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to 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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint is about JP Morgan Chase card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX file by JP Morgan Chase Bank on XX/XX/2019. Please remove immediately. 

Jpmcb - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Claim # XXXX I disputed unauthorized charges from XXXX. Wells Fargo refunded me {$120.00} on claim # XXXX but collected {$190.00} from XXXX. 
I discussed the claim amount charged back from XXXX with XXXX. XXXX stated that a total of {$190.00} was indeed charged back from my account to Wells Fargo. 

Wells Fargo collected a total of {$190.00} from XXXX but only refunded {$120.00} to my Wells Fargo account. Per XXXX, Wells Fargo is holding the additional {$70.00} difference. 

I am seeking my full refund - the additional {$70.00}. 

I've spoke to and emailed XXXX XXXX on XX/XX/XXXX and on XX/XX/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 2020-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: OK

Complaint narrative:
I spoke with an Loan Originator XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on Wednesday XX/XX/2020 in regards to refinancing my home. I submitted the application immediately. Several days went by of hearing nothing and so I called to verify everything was okay. Was informed everything was received and we should close in three weeks tops. A week went by and I heard nothing again. No email, no letters, no phone calls. I call to speak with him and am informed he has left on maternity leave??? So I ask for my file to be transferred to someone else because I dont want to just keep waiting and am informed that isnt an option. So I wait another week and FINALLY am contacted by XXXX and given a simple spreadsheet of closing costs but not the official Disclosure Statement required by Federal Law. I emailed XXXX on XX/XX/XXXX and requested this Disclosure and now its been 10 days since I requested and not only do I not have my Disclosure but no acknowledgment whatsoever. Again no emails, no letters and no phone calls. Very disappointed in this mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: NC

Complaint narrative:
The collection agency has sent this letter to the bureaus multiple times to delete and the bureaus have refused to remove and update the records accuracy.

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 2020-05-02 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XXXX I was financed for a vehicle by Ally Financial. The car was paid in full and was considered closed in XXXX. 

However, now as of XX/XX/XXXX, XXXX the Ally Financial Account XXXX all of a sudden in reporting on my credit as a REPOSSESION-???!!! 
I have not been able to reach any one from Ally Financial or the credit bureaus and I am in the middle of financing!!! 

It is imperative that the account is corrected or removed from my credit all together. I am not sure what is going on but a lot of weird things have been going on since this pandemic has started. On the other hand- I will have to get a common law attorney if the situation is not resolved immediately or if I lose financing because this HUGE ERROR.

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 2020-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
In a rush I was trying to send money via cash app to my mother to help with a recently passed family member and sent to the wrong cash app account by mistake. I tried to resolve the issue with the person I sent it to ( which I do not know ) but the person refused to refund the money. I disputed the transaction with my bank and now cash app has closed my account without notice which still has funds in it. All I was trying to do is get the money back so that I can send it to the right person but cash app 's support has not responded and doesn't seem to be helpful. Even if they refuse to refund at least reactivate my account so that I can continue to help my family the fastest way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The collection agency has sent this letter to the bureaus multiple times to delete and the bureaus have refused to remove and update the records accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
My complaint is about Iberia Bank card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 

Iberiabank Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
We received our monthly statement from our mortgage company dated XX/XX/20. On the statement, there were 2 charges for $ XXXXea described as FAX FEE. I called their customer service number on XX/XX/2020, and due to high call volume, they let me choose a call back for XX/XX/2020. They called me back on XX/XX/2020, and I explained to them that I wasn't sure what the charges were for. The agent told me they were fees for payoffs and that I or my wife authorized them. I asked for proof that we authorized the charges and the agent said we must have called in. I told her that me nor my wife have ever called in, and never authorized those charges. I asked for them to provide me with a signed document stating that I authorized those charges and the agent told me they don't have to provide me with one. she said they would NOT waive the charges and they will remain on my account until paid. I told her I refuse to pay those charges unless they provide me with proof that I authorized them, and she said they don't have to. I then asked for contact information for their billing dispute department so I could write them a letter and the agent said " one moment '' then hung up on me. I have no other way to contact this company. I now have to wait until Monday to try calling again, only to receive a callback days later. I never signed anything with this company, they took over my mortgage from my former company. I most certainly didn't agree to any {$15.00} FAX FEE, I don't even own a fax machine. The company is Citizens One XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I requested that the agency/office sends me valid proof that I am legally obligated to pay the agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DataMax Corporation
State: NC

Complaint narrative:
I have discovered an inaccurate listing from DataMax Corp (  XXXX ) reporting an amount of {$4900.00} with XXXX, XXXX and XXXX credit reporting agencies. I have never had a contract, written contract or received services from XXXX or XXXX XXXX XXXX, which has ultimately resulted in XXXX placing an account on my credit report that does not belong to me. I have no written contract with them and never received any benefit from them to date. 

This has been on my credit report for 5 1/2 years and I have disputed this on numerous occasions due to this being a fraudulent account. Over the last 5 years I have had to recover from a possible identity theft situation. Someone used my information for a cell phone bill {$2000.00}, obtained a licenses plate, maintained a vehicle under my name and unfortunately this apartment. All of the accounts have been removed from my account expect for this one. On all three credit reports, XXXX variation of my true name is incorrect. All have been removed and I was hoping XXXX and I could resolve this issue as soon as possible with no struggle I have filed a police report and filed an affidavit with the FTC to request this account to be removed. This account will fall off my credit report in 2021 but, in this case, I am truly not reliable for collection for this debt from XXXX or XXXX XXXX XXXX. I have never been late on a payment with any account I truly own and I am a reliable individual attempting to resolve an account that truly does not belong to me. 

In conclusion, I have disputed this collection account with all three credit bureaus and XXXX I have never had a contract with either DataMax Corp ( XXXX XXXX, XXXX ) or XXXX XXXX XXXX. Please have XXXX remove the negative report against my SSN with all three credit reporting agencies ( XXXX, XXXX  and XXXX ). Lastly, to remove all personal information from all accounts in this company database. If DataMax Corp ( XXXX XXXX, XXXX ), rejects the request, please agree to have no contact in any form with me regarding this account now or in the future and this will fall off the report in 2021. 

XXXX regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I paid my loan off with them in XX/XX/2020. In full. I am still receiving emails from them stating my payments are over due. The account still shows {$21.00} is owed on my credit report even though they have said over the phone it has been paid off. They told me it was a glitch in their system and everytime I call I am told it will be fixed within the next week. Now we are in XX/XX/XXXX and it still has not been fixed. My husband and I are trying to get a home and its affecting my approval rates with it still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery XXXX closed this account and then illegally reopened it on my credit report. It was closed XX/XX/2020 and reopened just the other day on my credit report. This is illegal and I do not know what this debt is. I have been trying to dispute it for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I requested that the agency/office sends me valid proof that I am legally obligated to pay the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I do not know what this debt is and they have deemed it invalid on my XXXX  report but it still lingers on my XXXX and XXXX reports. This is illegal reporting. Creditors have a duty to report accurate information to every single credit bureau they are reporting to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
Consumer Collections sent me notification of medical debt from XXXX XXXX  for {$1000.00}. I started to pay the amount on monthly basis. After four months of payments, they sent another debt collection notice with a different account number for a very substantial amount midway between the next due payment date. The following week or so, they sent a reminder where they had combined the new amount under the original agreement and did away with the new account number. I emailed them to question the validity of their being able to do this. They would not discuss it over email. 

I will be XXXX years old, and while I was paying something on the bill to XXXX directly, it did not meet their required amount of $ 700-1000 per month, which I could do not. They charged off the debt and Consumer Collections picked it up. 

Are they able to change amount once you start paying on the original notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence and I want to deal with the original creditor.

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 2020-05-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays customer service is NOT receiving any calls, however, I faxed to them my complaint regarding unauthorized charges on my account on XX/XX/2020. On XX/XX/2020 I received a letter stating that in order to protect my account I must call them otherwise, certain restrictions may be placed on my account. 

I called them today, XX/XX/XXXX, and they are still not accepting any phone calls. 

Between XX/XX/XXXX through XX/XX/XXXX there are numerous UNAUTHORIZED charges on my card from XXXX or XXXX XXXX. 

I do not use XXXX XXXX nor I authorized any of the transactions listed on my card.

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 monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 CBR 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've been on the phone with Equifax so much throughout XXXX and XXXX and at this point I just need someone to step in and help me! 

I've mailed countless copies of the same documents ( they say they never get them ) I then upload through my.equifax.com.. I just want to cry at this point! They are useless! 

My ENTIRE credit report keeps vanishing completely. Right now, it says I have no accounts on my credit report at all, with 4 unknown inquiries that I've never partook in. In addition, my birthday keeps being changed from the corrected one XX/XX/1993 - to XX/XX/1993! 

I sent them my court ordered name change - and they've changed my name about 5 times in XXXX alone! NEVER ONCE to the appropriate name. Mind you, every representative who makes the change, someone changes it back on their own, or to another variation of my previous name! 

I logged into credit karma again and XXXX today, EQUIFAX REPORT GONE. I'm so tired of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX  file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX  now XXXX XXXX   {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA  XXXX  in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This company has a debt of {$49.00} that they are trying to collection. Ive shouted this ask do not know of this charge. I looked recently and its now bee added to my credit report asa medical debt.i never recieved a bill for this so I would like this removed from my reports

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