vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off 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 2021-02-05 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: NV

Complaint narrative:
On XX/XX/XXXX after reviewing my XX/XX/XXXX statement and noticing numerous XXXX charges, I reported fraud to both Capital One and XXXX. On said date Capital One issued temporary credit. Thereafter on XX/XX/XXXX, XXXX agreed with fraud claim and refunded all XXXX charges in the sum of {$2800.00}. On XX/XX/XXXX, I advised Capital One that the money was refunded and advised them to remove temporary credits and refund the balance owed to me as I previously paid Capital One in full and had a zero balance on my card. I was told it would take 7-10 days for me to receive a check. It was not until XX/XX/XXXX that they made credit adjustment. It has now been over 3 weeks since I requested refund and I still have not received it. Not only are they keeping money rightfully refunded by XXXX. XXXX but they have issued a freeze on my account and I do not have access to my XXXX credit limit. When I inquire they state the investigation is not complete which is completely unfair since I timely paid all my monthly charges and they have also received a full refund of all the charges from XXXX who found that my XXXX was compromised through no fault of my own when I purchased a new Apple XXXX in XX/XX/XXXX. Capital One is wrongfully withhold my refunded funds as well as keeping a freeze on my credit card which had a zero balance and has been paid timely monthly for several years. They are prohibiting access to funds which are rightfully mine through no fault of my own. XXXX properly investigated and determined the charges were not valid and issued a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt is still reporting. This is a debt that I paid off a very long time ago. When I paid this I was told this would be removed from my credit, however it's been years and nothing has been done apparently. Enhanced Recovery needs to remove this debt from my credit file. It is very old and no longer owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with Bank of America # XXXX and deposited my check on XX/XX/2021 to fund my account. Several hours later I tried logging into my account and was told that the account was locked. I immediately called Bank of America and was routed to a department that advised me my account was going to be closed. I was shocked that Bank of America would suddenly close my account without any notice whatsoever. I did not even have the opportunity to make once debit card purchase or any transaction outside of my deposit. 

I now have no access to my funds and will face financial hardships. Bank of America has no regard or respect for its customers. They do not think to call, email or send a letter in advance. They arbitrarily closed my account, and left me with nothing. 

All of the criticism Bank of America has received for its handling of EDD issues and the now class action lawsuit its facing seems to be well deserved and merited. This bank does not care about its customers. It has left me out in the cold with nothing.

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 2021-02-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have been a licensed loan originator with NMLS since XXXX. I have a mortgage serviced by PHH now it was with Ocwen. I applied and received a loan modification. And competed it. I ended up owing way more than my original mortgage. I just don't understand how this happens and I originate mortgages everyday. I originally had a mortgage for {$140000.00} since XX/XX/XXXX. I still owe {$100000.00} after being in the mortgage for over 25 years now. Please help me here. 

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 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
XX/XX/ 2015 they reported to XXXX  again every 2 mths waa a fraud case but XXXX does not see it that way police report and ftc was given to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of 2020 I requested forebearance due to Covid 19 hardship with Santander /XXXX ( mortgage holder is XXXX XXXX XXXX XXXX. 
Under CARES act when residential owner is requesting forebearance the payments are placed at the end of loan/mortgage terms. 

Santander/XXXX  continues to charge late fees, demanding monthly payments and threatening with foreclosure. 
When I call, I been transfered between reps and at all times hang up after hours being on hold! 

Also, under CSRES Act there should not be any negative reporting to credit unions. 

This entities needs to be investigated for not obeying the law.

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 2021-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The student loan, which I am a cosigner, is managed by Navient. When ever my nephew gets 1 month behind, which he has never been later than this, Navient calls our home 5 to 7 times a day. These repetitive calls happens each and every day till the past due balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I signed up for the free trial of Equifax XXXX  XXXX. I attempted to cancel my subscription on XX/XX/2021 online and received an error message. I attempted to call and was on hold for 45 minutes before having to hang up and return to work. The following day I tried to cancel online again and received the same error message. Today I called to cancel and finally spoke to an agent that told me he would cancel my account as of XX/XX/2021. I told him that I wanted it cancelled today and he said it was too late because I had already been charged. I tried several times to cancel this service and was unable to. I asked for a refund and the customer service agent at Equifax told me absolutely no refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
PDM placed negative information on my credit without notifying me first, in writing, the failed to let me know That i had time to dispute this very old debt. no warnings. They illegally re-aged this account to 2020 and must've added extra fees. thats only 3 violations, so far, against me. HIPPA violations. FDCPA states a $ XXXX payment to me PER violation. They refused to send me proof to validate or substantiate their claim. They are not authorized to collect debt in my state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
XX/XX/2015 they reported to XXXX  again every 2 mths waa a fraud case but speedycash  does not see it that way police report and ftc was given to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the third time I've requested that you remove XXXX XXXX  account from my credit report. It has shown as a collection on my Bureau report since XXXX XXXX. It is now 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 non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: MO

Complaint narrative:
Avante USA is falsely reporting that I have an account with them for the original creditor XXXX. I have no contract nor any business with Avante USA or XXXX XXXX  XXXX. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I C SYSTEM XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I C SYSTEM XXXX I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
We financed a sofa from Ashley Furniture through synchrony credit and have received defective merchandise. We have battled this since we purchased with both the company and the finance company to no avail. The fabric is defective and the furniture is unusable. We purchased the warranty but they state its not covered. We are not claiming a warranty issue but a defective product claim. We requested a chargeback from synchrony with no response to our claims. This is absolutely unacceptable. This has hurt our credit score and we feel that this is very wrong and we have NOT been protected from a very defective and deceptive purchase.

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 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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