vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, equifax and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and experian has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.

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 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, I received an offer to advertise for XXXX water. I applied and, on XX/XX/XXXX, I received a check for {$2500.00}, by USPS. I deposited the check into my Bank of America acct the same day. I asked the bank teller if the check was a legitimate check, she said it looked real and the funds would clear in 24 hrs. The money was to pay a company to wrap my car w the XXXX ad and cover my first week of wages. I was then instructed to XXXX {$1000.00} to the worker doing the wrap on my car. I sent the money, then a friend notified me they suspected it was a scam. I called the bank the next day, notifying them of the potential scam and requesting an investigation to return my XXXX money. I inquired, if the money transfer can only goto a legitimate bank acct holder, shouldn't they b able to access the funds still, or at least investigate the acct holder of the received funds? It had been less than 24 hrs since the XXXX transfer. I was also still receiving instructions from the scammers to deposit more money to cover materials. Bank of America was hesitant to take action until the check had been returned, but I insisted on an investigation into the XXXX transfer at least. The check was returned two days later and my acct was charged for the funds and a penalty charge. I filed an investigation into the returned check. There has been no response to either investigation on the XXXX transfer or fraudulent check. The bank has no insurance or policies to combat this type of fraudulent activity. I feel as though the bank had no sense of urgency to track the XXXX transfer to return my money, and they did not show a genuine concern in aiding me in my attempt to disrupt the fraudulent activity.

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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On ( XX/XX/2006 ) I was a part of a consumer credit transaction. I do not recognize this debt. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( Communication-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Am Having a Problem with TD Bank for Some Reason in XXXX my debit card was stolen and my ex-boy friend used my debit card to make fraudulent transaction on a Old Account That i Had With TD Bank in XXXX. So i Open a New Account XX/XX/XXXX at a TD Bank Branch and also Paid the Other Account In Full Account {$560.00} account ending XXXX and the agent at the TD Bank Branch Told Me Unfortunately We Are Not Going to Give You Full Access to Your New TD Bank Checking Account the NEW Account i Open at the TD Bank Branch Because we Need to Contact our security department to remove a block for i can have access to TD Bank Online Banking. So Today XX/XX/XXXX TD Bank Closed My New Checking Account Number : XXXX Because we Detected You Had Previous Account in XXXX with Fraudulent Activity so Unfortunately You Are Not Going to Be Allow to Have Any Accounts Open With TD Bank. and i really don't understand why TD Bank Did This to me and i never did anything wrong all those problem that happen with Fraudulent Activity that was Something that my Ex-Boy Friend Did Without my Permission and stole my debit card from my other account and used my Pin to take money Out and did all did Fraudulent Stuff Without my Permission Please Help me With this i also Made a Deposit {$100.00} to open the new Account and the Branch Refused to give me back the Money For The Deposit i Did on my New Checking account ending XXXX that i try to open and they closed also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm applying for a loan and my loan agent needs to view my report. However, there is a freeze on my account that I did not place. I tried online to lift the freeze to no avail. I then called but the IVR is terrible and then it's impossible to get a real person on the phone to help with the issue. 

I'm losing money on this one credit agency and you guys be ashamed of the XXXX technology you use.

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 2021-09-01 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: FL

Complaint narrative:
I am a victim of identity theft due to an equifax credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft due to an XXXX credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Total balance : {$10000.00}

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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
My name is XXXX XXXX I am filing this complaint for myself against current bank which is a choice financial group I had deposited {$100.00} and {$76.00} into my account online on XX/XX/XXXX at XXXX XXXX. I tried to transfer my funds to my go to bank account which is through XXXX XXXX XXXX and when I tried to transfer it it said this action could not be completed at this time please try again later but it charged my current account so it took all my money out of my current account and did not deposit it into my go-to bank account and now the money is pending and I have no money but both Banks are saying that there's nothing that they can do so nobody will give me my money nobody will do nothing for me and I'm broke losing stuff because I can't make my payments on time because those banks will not give me my money I would appreciate it if something was done about current bank please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I discovered a negative item on my XXXX credit report. My investigation requests with Peter Roberts & Associates are not being accepted by the company. They keep returning my letters as " refused. '' I have their address listed on their website and it has been verified as correct. It is : Peter Roberts & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX According to my rights as a consumer under the fair debt collection practices act ( USC 1692g ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The company called me claiming to be some type of arbitration and mitigation company. They said I had a debt from Citibank from a card I opened in XXXX. They stated that I paid on the card for three years before I defaulted. When I tried to explain to them that there was some type of mistake because : 1. I never had a Citibank Card 2. I have never heard of this debt before now.

3. In XXXX my credit was so bad there was no way citibank would give me a card. 

The lady got mad and hung up on me. I called back the next day ( XX/XX/XXXX ) and the rep would not give me the spelling of the company name so I could write it down. I tried to get the address of the company and she refused to give me the address. After once again threating me with legal action the representative got angry and ended the call again. Unfortunately all I have is a phone number that I was able to call back on XXXX. This company needs to be looked into. The rep had all my information, my current address, my social security number, my drivers license number and my previous address. I didn't not verify or provide any of this she already knew it. 

A few thing that didn't add up 1. She called it Citibank but didn't seem to know who Citigroup was. 
2.I recently purchased a home so my credit report has been reviewed many times and this was not on there.

3. She had my place of employment when I opened the card as XXXX. XXXX which is a failed LLC that I started years after she said I opened the account. That could not have been my place of employment because it didn't exist at the time.

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: MECHANICS BANK
State: CA

Complaint narrative:
We have a auto loan with Mechanics Bank in the amount of roughly {$24000.00}. I made a principal production payment of {$10000.00} and they took it as two years of payments and are refusing to acknowledge that its a principal reduction, charging us not only fees on the {$10000.00} principle reduction but charging additional accruing fees on a daily basis, like a credit card. This is highly illegal, especially since I wrote on the {$10000.00} payment principal reduction payment only

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: VA

Complaint narrative:
I have looked over my credit report with Equifax and it is a incorrect address that is listed and is not my address and I have never lived there the address is XXXX XXXX XXXX XXXX XXXX XXXX it needs to be removed from my credit report it is causing me great stress. I have sent a letter to the credit bureaus asking for removal I have sent proof of identity and proof of address the address that should be on my credit file is. XXXX XXXX XXXX XXXX XXXX  XXXX, everything else needs to be removed I have also contacted Equifax by phone and they are not helping they are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I submitted an application to Amerisave to get a preapproval for a home purchase. I have been working the past few years to improve my credit score and finances after some prior medical issues caused a bankruptcy and foreclosure. The loan officer ran credit and went through the process to verify income and said my credit score was fine and income was instantly verified online so I was quickly preapproved. I questioned to make sure the BK and foreclosure were not a problem as I didn't want to run into issues with the purchase. He assured me we were good to go and provided a preapproval letter along with a {$1500.00} closing guarantee and at that time I paid the {$500.00} application fee to lock in the rate. I was able to get under contract on a house with this preapproval letter and paid {$250.00} option fees and {$2900.00} in earnest money. I also paid {$650.00} for a home inspection. Everything was proceeding smoothly until 10 days prior to closing when I got a call from the loan officer to let me know that they can not proceed with the loan because of the foreclosure. He claimed that he didn't know it was going to be a problem and there is nothing he can do. He said he would look into getting me a refund for the {$500.00} fee and I asked about the {$1500.00} guarantee as well. At this point he stopped responding to my calls and emails. After several attempts I called the main customer service number and was able to get a call back from his manager XXXX XXXX who agreed to get me the {$500.00} back but couldn't help me with the {$1500.00} claim since they didn't know about the foreclosure and that " there was no way for them to know that up front ''. This doesn't make sense since I told them and was clear up front about the situation. He wasn't able to help so he referred me to the VP of sales XXXX XXXX. XXXX was no help either saying he doesn't have the authority to pay that but would have customer service look into it. I waited another two weeks and didn't hear back so I called customer service again and they referred me back to XXXX who again said it wasn't their fault they didn't know although I clearly told them up front. He said he would have XXXX call me but I haven't heard from him. 
This whole process has been so frustrating and embarrassing, I got my family ready to move only to have to change plans at the last minute. I had already set up utilities, school enrollment for the kids, started packing up our current home and booked movers. I lost out on the {$250.00} option fee and {$650.00} inspection cost as a result of their mistake of providing me with a preapproval and false hopes and now are not standing behind their guarantee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Collection Services of Athens, who I never had a contract with or gave permission to trespass on my estate damaged my credit by trying to have me pay them for an alleged debt owed to XXXX XXXX. To stay in honor and understanding that I'm the true creditor I sent the presentment with an negotiable instrument and affidavit to satisfy the claim with a postal money order by register mail. Collection Services of Athens have received the package and have not responded but yet continues to damage my credit. I'm lead to believe Collection Services of Athens feels they can just hold the mailing and not respond or correct the record ( i.e my credit report ) to make me whole.

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 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a credit card with Capital One for years and never had any problems. i noticed a charge that was fraudulent on my account. I called and reported it to capital one. They confirmed that it was a scam and fraud activity on my card. They stated that they were going to close the card and send me a new card and reverse the fraudulent charges. I never received the new card and Capital One is still billing me for the fraudulent charges. Each time I call and go through the whole process with someone, it seems as though the matter is resolved, only to keep repeating the same process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've been communicating with the banks concerning the 20 NFS fees I've collected on this account. Most of them are due to the fact of allowing certain merchant to send things to my account. This has caused sufficient stress because I'm unemployed and doesn't get Unemployment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My Pandemic Forbearance Plan has ended and I'm unable to pay the entire amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I have sent two letters of dispute in which validation of this debt was requested. The only thing that was returned to me was copies of statements from XXXX with an address where I have never lives. The FCRA guidelines have not been followed. This debt was originally disputed with XXXX but was sold to a collections agency without resolution.

Company response to consumer: Closed with explanation