vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I entered into a consumer credit transaction with Wellsfargo bank on XX/XX/XXXX. I extended credit through my social security card, my credit card. XXXX XXXX XXXX XXXX XXXX, XXXX. was attained by wellsfargo to collect a debt that is not mine. They have also violated several other of my consumer rights which I have noted in my affidavit. They are claiming I owe an alleged debt of XXXX in a positive amount. A letter was sent to me on XX/XX/XXXX claiming I owed an alleged debt and also threat of legal action if I didnt respond. XXXX XXXX XXXX XXXX XXXX, XXXX. Then filed legal action against me on XX/XX/XXXX. I responded with the following attached affidavit and sent it to them on XX/XX/XXXX. Usps XXXX and hand delivered with signature acceptance. I am demanding the debt collectors cease communication on this alleged debt that is not mine. And also stop all legal action against me for it is unlawful.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Account information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
In XXXX XXXX, while in the midst of refinancing my home in XXXX XXXX, Calif., I reviewed my credit report and noticed a collections charge off in the amount of {$4000.00} for an apartment complex in Georgia I have never heard of. 

On Monday, XXXX XXXX, XXXX, I contacted National Credit Systems , Inc. in XXXX, GA, the collections agency associated with this charge, to dispute the charge. The name listed on the charge is not my name, and I have never lived, worked in, or even visited Georgia. They said they would send me a fraud package to fill out. 

What I received was a letter dated XXXX XXXX, XXXX, informing me they had investigated my dispute and had not received information sufficient to validate it. They said their creditor had previously validated the debt as well. They enclosed a move out statement from XXXX XXXX XXXX XXXX XXXX. In XXXX, XXXX, with detailed costs totaling {$4000.00}. 

At this point, I am providing them with further documentation for my dispute. But because they have already failed to send me their fraud package before investigating their claim, I do not have any confidence they can be trusted to do the right thing without involving the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Department Store National Bank RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at 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 2021-10-16 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: NJ

Complaint narrative:
Bought a lifetime software trading platform from XXXX XXXX using my Capital One credit card for {$1400.00}. The software was deemed to be defective for it placed a trade that the software was not suppose to place which lost me {$2400.00}. 

I returned the software ( license key ) to XXXX XXXX with receipt of delivery ( USPS ) given to Capital One with a dispute form. 

Capital One has yet to credit my account in the amount of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX XXXX RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. 

I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at 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 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I experienced that someone else used my credit card to purchase at XXXX on XX/XX/2021, {$130.00} and XX/XX/2021, {$320.00} on my Bank of America VISA card. I or anyone in my household did not purchase on XXXX  ever. The card account has already been closed. 
I called Bank of America and reported that those were frauds. A week or two later, Bank of America replied that they denied my claim because XXXX told them that those were purchased by me and shipped to my home address. 
I contacted XXXX through a chat on XXXX. XXXX could not find the order from me and admitted that the orders were not from me. XXXX also told me that they can not disclose the order details because those orders were not from me. I have the chat log and the reply email. 
I called Bank of America and reported about that. Bank of America had the shipment tracking numbers of XXXX gotten from XXXX and told me the numbers. 
One is XXXX and another one is XXXX. The both tracking numbers clearly showed that the orders were not shipped to my address and were not picked up by someone else I never recognized. 
Both packages had been shipped to XXXX OnSite : XXXX XXXX, XXXX XXXX XXXX XXXX. And the tracking log showed that the package was picked up and signed by name XXXX on XX/XX/XXXX for one and XXXX  on XX/XX/XXXX for another one. I have no idea about them. 
I also reported these facts to Bank of America. 
Bank of America advised me to file a police report since I already have enough evidence to prove the frauds. 
I filed a police report to XXXX XXXX Police Department ( XXXX ) in California on XX/XX/XXXX. Then I reported the police report to Bank of America and asked to review my claim again. 
The final conclusion of Bank of America was denial and they decided that {$460.00} would not be refunded. 

Would you please review this case and the decision about denial of a refund is a right decision.

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 2021-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
We are on covid forbearance till XX/XX/21, we even had an email from XXXX ( XXXX ) XXXX ( supervisor ) verifying we would not be removed off forbearance till XXXX, an agent told me today someone removed my forbearance XXXX without my knowledge, an agent statedthats how they do it. Also she they denied ne for streamline refinance??? I never applied for a streamline refinance, whatever happened to HUD FHA partial claim and covid loan modifications? I requested i wanted consideration for HUD Hamp/ Partial Claim and was sent letter with a full page of requested checklist of documents including tax returns, doctors bills for a Reduced Documentation Hamp/partial claim which per HUD only requires a 1 month payroll proof document, Freedom Mortgage is making it a very confusing process, not following HUD guidelines, i need resolution asap,

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 2021-10-16 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: GA

Complaint narrative:
According to my Equifax and XXXX. On XX/XX/2020 XXXX XXXX Account was open. Now I have been sending out multiply Disputes to the 2 Credit bureaus, explaining to them that this Account is fraudulent and I have no recollection of this account. My XXXX report is the only report that does not reflect that account. and had my updated info on that report. I will like to Remove the address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. That Address is associated with this Account. Never live there and want that address off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I have XXXX XXXX shares. Thats worth over XXXX dollars. I asked on XX/XX/XXXX if I can transfer my shares that I own. Then they sent me an email saying they wouldnt let me on XX/XX/XXXX. 

Robinhood Securities wont let me transfer my XXXX shares to XXXX XXXX official transfer agent. All the other US brokers allow their clients to do this. Why wont Robinhood let me transfer my own shares? I bought them they are mine and want to register them in my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with XXXXXXXX XXXX  XXXX put a lien ( XXXX ) on my home for a debt for a Midland credit card dated XX/XX/XXXX. This debt was included in my bankruptcy. 

In the letter, I gave them this information and request for them to remove the lien. 

I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
North American Credit Services , Inc. was informed several times in writing that they have the wrong info and the debit they are stating is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX Navy Federal Credit Union RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at 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 2021-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX SoFi RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

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 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX 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 2021-10-16 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: CA

Complaint narrative:
I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Bank stated that I allegedly owed a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had citi credit cards means citi bank, it was belong to my ex wife, who was grantor and account has been closed but citi bank kept information on my name. Even they are showing account has been closed by grantor and why they are using my name on the citi bank statement. XXXX XXXX was grantor, and she has closed the credit card. I want credit card companies and citi bank credit cards to remove my name from credit.

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