vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX  XXXX XXXX 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, XXXX XXXX  XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Possible Financial Inc
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX XXXX 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, XXXX XXXX  XXXX XXXX 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
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I changed cell phone providers in XX/XX/2020 from XXXX XXXX XXXX to Consumer cellular. The hotspot I use was purchased from XXXX XXXX XXXX and paid for in full when ordered. I contacted XXXX XXXX XXXX and advised I needed the device unlocked for use with another carrier. They took about two weeks to unlock the device which left it on their network for about three days which they billed {$110.00}. The amount due is the result of their poor customer service. I had been a customer for probably 20+ years with zero billing issues. I refuse the money grab by XXXX XXXX XXXX which has had a negative effect on my previous Fico score of XXXX. You don't achieve a score like that by not being financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
I understand that according to Homeowners Protection Act that Lender should automatically remove PMI when loan drops below 78 %. I have been trying to cancel this PMI but the lender wants me to sign an authorization to do a new appraisal of the house which is going to cost me from {$600.00} to {$900.00}. I don't know if this is legal if they are supposed to terminate the PMI automatically. 
Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Please see my earlier complaint which you closed based on Bank of America feedback. They are lying. Today, XX/XX/XXXX, I received a package from BOA with a letter stating here is the payment history you requested. 

They have sent this many times. Every package I have received DOES NOT INCLUDE A PAYMENT HISTORY FOR XXXX, WHICH IS THE YEAR IN QUESTION. SAME THING TODAY. HISTORY STARTS IN XXXX. I need the XX/XX/XXXXhistory which is when the note was modified. They changed it from 26 years to 40 years and also charged {$740.00} in late fees. 

Why is the case closed when they are still not sending correct docs? The XX/XX/XXXXhistory will prove we made ALL the pmts up until the modification date yet we were charged XXXX in late fees.

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 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I mailed a check for {$1700.00} to Comenity Mastercard on XX/XX/2021 to pay off a balance. On XX/XX/2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the amount, I placed a stop payment on the check and paid the card balance of {$1700.00} online. At this point the card is at a XXXX balance & I think I am done with Comenity Mastercard. 

On XX/XX/XXXX, Comenity Mastercard attempted to apply the {$1700.00} check to the account & charged me a {$29.00} fee returned check fee on an account that was at a zero balance. I called the customer service line, explained that the card was already paid in full when they tried to apply the check amount, that I had already paid a {$29.00} stop payment fee to my bank and that it is not fair to charge me a fee for a card with a zero balance. 

After speaking with 3 people, two claiming to be supervisors, the consensus at Comenity is that I should have let the check I presumed was lost in the mail be paid to whomever and then request Comenity to send me a refund for any over payment. 

I was also told that Comenity Mastercard must pass on charge back fees from their bank to customer ( because I am sure their profit margin can not absorb a {$29.00} fee ) even though my account was at a XXXX balance and I have no choice but to pay them an additional {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Noticed a charge on my credit card for {$260.00} reported it as a fraud to Best Buy Security Operations. I received a letter from Best Buy Security stating that this was an automatic charge for a benefit. ( Don't know what the Benefit was for ) They re-billed me and then reported this to the 3 Credit Bureau 's. I did pay the {$260.00} as soon as I received the posted letter XXXX XXXX. I received the letter on XX/XX/2021. Have closed the account.

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 2021-05-28 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/XXXX RE : Dispute denied due the merchant submitting fraudulent documentation. Appeal Request and notice of CFPB filing. 

To Whom It May Concern, On XX/XX/XXXX I filed a dispute with Chase Bank for an unauthorized charge of {$1700.00} on the grounds I did not authorize or sign for the charge. At the time of the incident my card wad declined by the card reader, and I instead used my XXXX XXXX debit card to cover the remaining cost. The XXXX card was charged for the same amount the fraudulent Chase charge was for, so I was consequently double charged. On XX/XX/XXXX my dispute was denied according to the Chase representative because the merchant supplied a receipt with my signature on it. The receipt that the merchant submitted was fraudulent and the charge was unauthorized. The merchant XXXX is in XXXX XXXX and I have attached all communications and supporting documentation to show these charges were unauthorized/fraudulent. I have also attached samples of documents I initialed spanning from XXXX to this month. I have never in my life initialed using a lowercase L, and there are also other inaccuracies between the merchant receipt and my own. My wife is a first responder who has sacrificed so much during this pandemic, traveling to XXXX to help fight the spread, and as a result I am taking on two roles. Her friends wanted to celebrate her, so we put in on this celebration in XXXX. Since I was the only person with a major credit card I put the charges on my card, not knowing that it would result in myself being put into a financial hardship due to the fraudulent double charge. I have maintained good standing with Chase, and I had every intention to increase the number of accounts I have with Chase. But this charge is fraudulent and should be removed from my account immediately and permanently. I am formally requesting an appeal and I will be filing a complaint with the CFPB due to this charge being in direct violation. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt is NOT mine. Im afraid my identity was jeopardized. I never owned a XXXX XXXX bank card ever! I am still going through issues with identity theft as of recent. Please remove from my credit report. I even hired a credit repair service specialist to try and help me resolve some of these issues. This particular one was deleted from my credit report about a year or so ago but came to find out that they sold my information to another XXXX and so it was placed back into my credit report. I have zero knowledge of this account. Its causing a lot of financial and emotional strain because its affecting my credit so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: World Acceptance Corporation
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
The scammer met me on Social media and talked with as friend for a while. He talked about his recent investment in btc and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a cionbase account. I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier .Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group after the scammer ) in order to steal the victims personal information from cionbase Money or currency transfer. And I have couple transactions cost {$33000.00} been sent to a digital wallet chain address with out my personal permission. I try to file a claim from chase bank and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform cionbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank chase XXXX trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBIXXXX XXXX XXXX XXXX enforcement when I realized everything was scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit MGMT XXXX XXXX XXXX XXXX Tx, XXXX Date : XXXX Amount {$110.00} account NO. XXXX It was taken off my credit years ago, but it seem the company sells this account to someone else and put it back to my XXXX  report. I demand it off or we will file a claims action law suit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NJ

Complaint narrative:
Equifax has been reporting a consumer statement that I DID NOT ASK TO BE REPORTED OR INCLUDED ON MY CREDIT REPORT. I have called numerous times and requested/disputed that this statement reported that is not attached to any of my accounts be removed. They process my disputes and never send any results. I have called today to inquire why its still being reported and the agent could only state that the results of the investigation is that the statement has be updated. The statement does not refer to any account and i never wrote a consumer statement or ask for a statement to be put on my file. This statement is causing me harm and needs to be removed. Please assist me in getting this consumer statement removed from my credit file with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I have maintained my account with Citibank for several years. Never a late payment. 

I had a credit line of {$4600.00} My XXXX statement had a balance of {$3500.00} I paid {$2000.00} XXXX before due date, not late ) reducing my balance to roughly {$1500.00} and had {$700.00} in new charges putting my balance around {$2200.00}. 

I get a letter dated XX/XX/XXXX saying my credit line had been reduced to {$2300.00}. I was a little upset that my card just went from less than 50 % usage to 96 % which would have hurt my credit already. However, after adding interest and fees 4 days after the letter this put my card at over 100 % usage and over limit reported to the credit agency 's further hurting my score. 

So I went from paying {$2000.00} to reduce my usage rate ( I am in the middle of refinancing my house ) and a little over 45 % usage to over limit with virtually zero notice.

Obviously, this has a negative impact on my credit score. 

For reference, I have zero late payments on credit and no cards over the limit.

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