vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Be Advised Capital One, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law. Pursuant to 15 USC 1635b I have a RIGHT to rescind ALL money and interest that was paid for an alleged debt that was not for me to pay back to an account I desire. Also pursuant to 15 1692h because I was deceived to pay an alleged debt, for future payments I choose to apply for such payments in accordance with my direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

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 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
So basically I went into Forbearance mid XX/XX/XXXXdue to some issues my business encountered. I called in to XXXX  ( representing USAA bank ) in XXXX investigating the process to migrate to a deferall. The guy on call sorta jumped the gun and submitted me for the deferral before end of call once realized what he had done I freaked out and he cancelled it and was supposed to have a manager call me. I forget exactly the sequence after then if the deferall was properly cancelled or I was recorded as late cause didn't comply with, the logic was why come out till firmer on financial footing and was allowed 12 months. Anyway, In say XXXX or so I called raising XXXX and got to speak to manager or supervisor that seemed like they have it under wraps and would be able to pursue the deferral. I then actually even did another loan after that and during that process ( XXXX ) called in to discuss and came up again and was under impressions would be able to do deferral and to just start making payments in XXXX. I did this. My payment was rejected by XXXX and returned. I then received a note I had been approved for a mortgage modification. I only wanted the deferral. i don't want my credit damaged and my understanding was that during the Covid Forbearance there was not interest acruing on the missed payments. I basically want to do the deferral to protect my credit and think I should not pay extra interest penalties/ due to modication, but they actually increased my principal balance like XXXX. I have called into XX/XX/XXXXand had 3 requests for manager to call me back but have gotten none. One from XXXX and two recently. I fell like this is just going to go into foreclosure before they ever respond. I am told I must accept the modification or go into foreclosure, but all I ever wanted was the deferral at end of my forbearance and they fumbled this so many times and have folks on the phone who can't cover the details of these programs in details which makes it more tricky and confusing. I am sitting on the phone with XX/XX/XXXXnow again for the 4th time in weeks. Please help. -- I have been waiting over 30 minutes so the XX/XX/XXXXagent just came back had to disconnect ( extension XXXX / XXXX ). this was my 4th attempt to escalate now and look at the results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The following two credit inquiries on my report are fraudulent and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I received a prepaid Mastercard through MyPrepaidCenter.com - on my paperwork, under the section " Fees Associated with This Card '' it lists a Check Request Fee of {$10.00} and I have been attempting to request a check for the amount of this card, but I have spent much time and have been unable to get ahold of anyone from this company or to actually request a check. Their automated phone system ( XXXX ) does not give me an option to request a check and it also does not give me the option to talk to an actual person, it has just repeatedly disconnected me. I have also attempted to request a check through their website but it gives me no option to do so or to contact them any way other than through the automated phone system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes several times to Experian/XXXX  and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX XXXXNOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

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 2021-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage Company has been harassing Me for two months. My loan was Discharged two years ago during a Bankruptcy, I sent five cease and desist letters, dating back to XX/XX/21. The ongoing harassment has been abusive as they are sending Me correspondence in the Mail almost every day. I reported it to the XXXX  which is pending. Their reviews online show they harass people often. I would be grateful if You can assist Me in any way possible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-07-26 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: PA

Complaint narrative:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We were going to rent an apartment two XXXX transactions of {$800.00} were transferred to a company so that we could get the keys upon sending the money we were contacted by the company saying that this was not their institution we have tried to contact the bank in order to get our money back because this was within a matter of minutes they said that there is nothing that they can do to help us at this point because we approve the transaction this is {$1600.00} and it is literally all we have

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Sent a dispute letter asking to stop communications and they keep sending me letters to request payment. 
Debt was fraudulent and they keep attempting to collect without the proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX it has been over 45 days which gives a reason to immediately remove those items from my credit report. I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately. My credit was also effected by the exactis data breach and my social was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
They keep calling, do not introduce themselves, yell at me with horrible language. I am currently POA/guardianship for my father with XXXX. I do not have money as we are in probate court for the hijacking of his entire estate. My money is going to legal fees towards the advocation of him and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

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 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
It has come to my attention that Comenity Bank/Lane Bryant, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. Comenity Bank/Lane Bryant never loaned me money for this credit card. Banks can not loan money, Congress never gave banks the power to loan money. 

In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and OnXX/XX/XXXX, Pursuant to 15 USC 1691 ( d ), and 15 USC 1691 ( a ) ( 6 ), Comenity Bank/Lane Bryant committed adverse action upon me. Comenity Bank/Lane Bryant closed my credit card account due to inactivity, without my permission. Pursuant to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit. I did not benefit in any type of way from Comenity Bank/Lane Bryant revoking, and closing my credit account. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. This is a federal violation pursuant to 18 USC 876 ( d ). This is attached in the documents of this case. These are just a few of the federal violations Comenity Bank/lane Bryant, and XXXX XXXX have committed upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I entered into a settlement agreement with Moss Law Firm PC effective XX/XX/XXXX in the amount of {$130.00} per month. The first payment was due by XX/XX/XXXX. On XX/XX/XXXX, I submitted payment via the company 's online portal. Several days later, I received a notice that the payment was not processed and to contact Moss Law Firm PC to make necessary arrangements. When I contacted the company, the representative told me that my payment was not processed because I attempted to make the payment too soon after the agreement was signed and my account was not established in the system. I made the payment with the representative via telephone on XXXX and was told by the representative that I would be able to make my monthly payments online from that point forward. On XX/XX/XXXX, I attempted to make another payment online for XXXX. I received a payment confirmation email. However, a few days later I received another letter via mail stating that my payment did not go through. I called Moss Law Firm again and could not reach a representative, so I left a message for someone to call back. 
I did not receive a return call. I called the company again on XX/XX/XXXX and was advised that since my first two payments did not go through, I could only pay each month via cashier 's check or money order. They also advised that the reason the payments were being rejected was due to an issue with my bank. I attempted to explain to them that I was given misinformation back in XXXX when I first attempted to pay, and I was willing to get the issue resolved with my bank if they would allow me to get caught up with my payments and continue to pay online. They stated that they could not allow for this, even though they provided misinformation to me which caused me to continue to have the same payment error. They also falsely claimed that I did not try to contact them and that they previously advised what the issue was. I feel that they did not provide me with proper information to ensure timely payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I paid off my mortgage in full and they are still holding my money in escrow. They submitted one check for {$2100.00}, but they still owe me {$170.00}.

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 explanation