vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: GA

Complaint narrative:
I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX Department Store -- -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used XXXX services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: GA

Complaint narrative:
I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX XXXX  XXXX XXXX -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used , services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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: Armcon Corp
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I applied for a home loan and received the loan through XXXX. XXXX XXXX then sold my loan to PHH Mortgage. PHH Mortgage has yet to send me information on payment information. I contacted them in XXXX, and XXXX requesting the information. 

Currently my payment is up to date as I always pay the month in advance before it is due and my previous payments to XXXX has me paid for in XXXX. XXXX I will need to make a payment however. 

Having asked multiple times in the course of a month PHH has yet to send me the billing information. Thankfully XXXX listed the new loan number or I would not have that. 

My only desire is to continue to pay my mortgage on time as I had done with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I spoke with XXXX XXXX according to him that was his name I explained that I shouldnt be getting charge for late fee while I was under COVID-19 relief program including my other cards in personal loans and I requested for refund on the late fee that Ive been charge he promised that hes going to give me {$80.00} refund and the rest of {$120.00} he refused to help and refused to look into notes and told me that I was under COVID-19 relief program. Im requesting to have a refund back and seems like he refuse to help me and treat me little different because of my Last name and my accent. He does understand that I am have XXXX XXXX in XXXX  I told him that I am giving him a fair chance and he said he dont know if he can help I need to call a customer service. Please have them disclose all the comments on my all wellsfargo accounts and you will see I was charge for late fees. I am not sure who make and mistake but I spoke to someone in XXXX and requested a relief for COVID-19 assistance, not get charge late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 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: Sequoia Financial Services
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f.Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( 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. ( c ) Admission of liability ( d ) Legal pleadings ( e ) Notice provisions 15 U.S. Code 1692e.False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer was being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 hrj 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020, I fell victim to a scam by XXXX XXXX XXXX, masquerading as an auto vehicle dealer-ship. Money was transferred from my TD Bank account via bank transfer in the total amount of XXXX USD. I was looking for a vehicle for my dad. His car is very old and I wanted to surprise him for his XXXX birthday. He has always wanted to have a full-sized pickup truck, but the house, XXXX kids, college tuition, and all of the other bills prevented him from ever getting that truck. He would always put his family first and himself second. 

I wanted so badly to get him that truck. I was looking online for available vehicles and came across XXXX XXXX XXXX XXXX. They claimed their vehicles were seized or repossessed and were therefore sold at lower prices. I saw an XXXX XXXX XXXX and began to inquire. The people claiming to be from XXXX were very polite. They would send me a copy of every conversation we had. They answered me throughout the entire process. 

They told me I could pay in cash but only at their location in Michigan. XXXX XXXX XXXX sent me a bill and information on where to send a wire transfer. I sent the wire for {$4700.00} and awaited instructions. Even after the money was sent they would still answer my questions via online chat. They arranged a delivery date with me. As the delivery appointments were missed they would tell me that they had to contact the shipping company or the driver was delayed. Needless to say, the vehicle never showed up and eventually my questions received no answers. 

I am extremely embarrassed about this. I had to explain to my wife that I wasted all of that money. Money that we didn't have to just throw away. My dads birthday came and went and it broke my heart that I wasn't able to get him that truck. Being down all of that money, now I definitely couldn't afford to look into another truck. 

I would never think to steal from another person, so I trust people when I shouldn't. There are so many bad people out there that it just gets very disheartening. If there is any way I can recover any of the funds, any of it at all, I would be so appreciative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Kikoff Inc.
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I XXXX XXXX resident at XXXX XXXX XXXX XXXX XXXX OH XXXX has a Southwest Rapid Rewards Visa Signature card received through Chase Bank and has XXXX rapid rewards points, I want to redeem it for Gift Cards but since last one month I am trying but they say our site is for maintenance even after a month they could not install their site please help me do that I will be able to redeem my points XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Email : - XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this 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 2021-10-18 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: I.C. System, Inc.
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this 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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
this has been going on for years and i recently just paid XXXX $ to see if comenity bank would leave me alone but now its worse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX {$1800.00} unauthorized XXXX  transaction was done to an unknown account XX/XX/XXXX {$900.00} unauthorized XXXX  transaction was done to an unknown account i called and disputed both these transactions and an investigation was done and my refund was denied because i was told the transactions were indeed authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: ERC
State: CA

Complaint narrative:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a credit card offer from Citi, which I did not request, with a second card which has the name of a person I do not know. This is very dangerous because I'm assuming that once I activate the card that second person will be allowed to use the card. I would like to know how something like this happens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
salle mae just does not give up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
i have a co signer but they call every day including sundays and before 8. they have been calling my family members i dont even talk to for weeks now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation