vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am disputing an account that is 11 years old and was charged off by XXXX in XXXX 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: TX

Complaint narrative:
On XXXX an application was filled out and processed with XXXX XXXX for a XXXX loan, On XXXX I received a XXXX with the lender being listed as Capital Plus Financial, I was informed that I was approved and it would take up to 7-10 business days to fund the loan from the date of the completed XXXX. I am filing this complaint in accordance with the Truth In Lending Act & Federal Consumer Protection laws Title 15 chapter 41 section 1692 and Fair lending act 15 U.S.C. 1691 et seq. I have not been funded and the lender is unresponsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on XXXX, XXXX, experian and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There was a settlement agreement with previous debt collector. Need to have debt expunged from my credit file and derogatory account removed.

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 2021-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one was my lien holder for my auto purchase last year, through them I purchased gap coverage as well. On XX/XX/2021 I was in an accident that was a total loss of the vehicle my insurance already paid out their portion capital one sent all the paper work to my gap provider around XX/XX/2021. On XX/XX/2021 I started getting calls from capital one threatening to put the remaining balance against my husbands and my credit stating all payments from insurance had already been processed and I owe the remained. That day I was able to get the gap company ( XXXX XXXX XXXX ) number only to find out they had the file but never even started to process the claim. Since then I have gotten 3-4 calls a week from capital one threatening to put the remained against my credit even though I had told them the gap claim is still being processed. As of XX/XX/2021 XXXX XXXX XXXX is still giving me the run around and making excuses saying they are still reviewing the claim. Capital one has locked me out of any automated support for even my credit cards which are up to date. I just dont know what to do at this point nor do I think it is right that the first time in my life I have ever needed to use gap coverage that they can just refuse to pay for this long even though I paid for the service and have been charged interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a savings and checking account to obtain a {$700.00} bonuses ( XXXX checking & XXXX savings ) and have yet to receive the bonus? I called CITI and they said it will be 90 days from the date of the call.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm Writing this complaint against Transunion, XXXX XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, 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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm Writing this complaint against XXXX, Equifax, XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
I received statements from The Swiss Colony company for the amount of {$60.00}. 
I never made a request to purchase ANYTHING from The Swiss Company. On Saturday XX/XX/2021 I called the company and explained. The Customer Service Rep told me he was going to close the account at my request and will waive any debt, because it was fraudulent. Today, I call to speak to a Supervisor because I received a threatening letter that stays the account will be send to collections. The Customer Service told me the account was still open and no credit was issued. This company is fraudulent and with this tactics they are threatening my livelihood and credit. 

The account was opened under " XXXX XXXX '' which is not my legal name. 

I demand they close the account immediately and waive all fees because I never ordered anything from their catalogue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: WV

Complaint narrative:
On XX/XX/XXXX a debit was made to my account in the amount of {$440.00} that I did not authorize I contacted the bank and they said it was made at XXXX in XXXX Wv. I contacted XXXX they said they had no record of that transaction I called the bank back and they temporarily refunded the money they did not tell me it was temporary and did not advise me they were sending a letter of dispute the letter came but looked like junk mail and I didnt realize who or where it was from on XX/XX/XXXX they took the money back out without any attempt to contact me causing over draft fees I spoke with them and they said to find the letter and fax it that was on the XXXX of XXXX that it was faxed I call every other day and get a run around nobody will talk to me if Im lucky enough to get a person they say its not there department and will have someone contact me but never do and I have left messages and dont receive email or call back all I want is the {$440.00} refund and the over draft fees I have received very poor customer service on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My home was sold in a property foreclosure sale XX/XX/2017, I took legal action against XXXX Nationstar Mortgage aka Mr. Cooper for wrongful foreclosure though XXXX XXXX Circuit Court . A agreed order was enter with the court, the foreclosure for my home was rescinded. I have been making my mortgage payments to my mortgage company. I haven't received mortgage statements since the deed for my home was rescinded. I call Mr. Cooper to inquire on my mortgage several times, Customer Service informs me they can't speak with me. The reinstatement of the deed and note for my home has not been recorded with XXXX XXXX register office, Mr. Cooper has not applied my mortgage payments to the note I remit monthly. I have canceled checks reflecting my mortgage payments since I signed the agreed court order with Circuit Court. My escrow account is being assessed incorrectly, the mortgage company has included city taxes in my escrow, I don't pay city taxes. I want my escrow account to be reanalyzed and corrected. Mr. Cooper is reporting incorrect delinquent payments for my home. XXXX is also report delinquent mortgage and a foreclosure and a open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I applied for a loan with Veterans United and was assigned XXXX XXXX. She pulled my credit and issued me a prequalification letter for {$600000.00}. 

I asked on several occasions for a loan estimate beginning XX/XX/21, for a specific property to determine what the loan would cost me. 
She refused and stated she could only send a loan estimate once I signed a contract meaning I would be on the hook before knowing what the costs were. She only told me : o A Loan Estimate isnt done until you go under contract on a homebut I can tell you total closing costs would be about 4.5 %, so roughly $ XXXXhope this helps, let me know if you have any other questions. 
I escalated by phone to ( 2 ) different phone agents and was also denied and LE, I escalated again and was emailed an improper LE for the full {$600.00} from XXXX XXXX, rather than the actual property I submitted ( XXXX XXXX ). 

Attached are the complete email communications ( only a few are below ), the improper LE, and the prequal letter.

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 2021-06-29 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: NJ

Complaint narrative:
the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: 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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/21 Capital One closed my account with no notice. This account was current, revolving, and payment in full had been mailed. As a response to the negative furnishing to my consumer report due to this closing, I sent an Affidavit of Truth documenting the federally protected consumer violations that Capital One has harmed me by doing, via 15 USC chapter 41 and a cease and desist to regarding further damage to my reputation via certified mail. On XX/XX/21 I requested my privacy data and had to call in because the link on their website, conveniently, wasn't working. I called in to request copy of my privacy data and was sent an empty folder a few days later. On XX/XX/21 I called back in to inquire why the link was not working and was given the run around for almost 2 hours, as they transferred me to different departments, saying there was no data listed for me. Though there is " no data '' on my account, it is still negatively reporting to the bureaus, harming my livelihood, and my confidence of " good faith '' in the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MI

Complaint narrative:
XXXX Account number XXXX Date opened - XX/XX/2020 Balance - {$8400.00} never open this account, this account is fraud.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am disputing an account that is 11 years old and was charged off by Sears in 2014. 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.

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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I have asked Sunrise Credit Services to stop calling my phone number over 20 separate times, whoever they are looking for is not at my number that they keep calling. I have tried blocking their number but they continually spoof their number and call from a different number.

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 2021-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have been contacted but someone stating they are trying to service me and if I dont accept the service they will contact my work. I have asked what it is about and they will not provide details. They give me a phone number to an attorneys office and ask to provide case id. When I call they ask for details about me other than the case number and threaten to send details to my job. I have also received an email stating that someone is trying to collect for speedy cash. I have attached the email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies XXXX & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on 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 2021-06-29 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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on transunion, XXXX, XXXX and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.

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 2021-06-29 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: MD

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on XXXX, equifax, XXXX and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.

Company response to consumer: Closed with explanation