vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
THis is regarding the letters i keep getting from XXXX, debt collection company. 
I have repeatedly mentioned to the few calls I attended that I do not own this credit card nor got any statements from the credit card. 
Long time ago, when the Credit card company called me once, I told them the same. They read me out the majority of charges were for painting from some other location ( I vaguely remember as GA or South Carolina ). I live in XXXX Mi since 1992 and have never visited the places where the card was charged. I do not know anybody in GA or travelled to the state. 
They mentioned that they will look into it. Afterwards I never heard from them and then heard from you that they have sold this loan. 
Usually, I dont answer most of the XXXX numbers. So, I might have missed a lot of calls from your company. 
Anyway, this Credit Card is not mine nor I made any charges on this. Please understand and investigate who has used this Credit card. This is some kind of Fraud using my name and my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: OH

Complaint narrative:
Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.

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 2022-09-02 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: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through XXXX XXXX XXXX that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXX, Receivables Performance reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX 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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An International Wire transfer was submitted to Chase with the assistance of a Private Banking Representative to ensure process was followed correctly. 

The transaction was cancelled by Chase with no reason given. 

A 2nd attempt was made, again with the assistance of a rep who assured the transaction was approved. 

Again Cancelled - no reason given. No phone call to verify transfer was legit - nothing. 

This happened a total of 4 times with no satisfaction. We gave up. 

Chase is blocking us from accessing and using our funds. We can't get to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall XXXX XXXX. Multiple times I have contacted XXXX XXXX, XXXX, Transunion and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. Reliable credit reports on XXXX a total balance of {$8400.00}. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, Transunion and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.

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 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I had payment protection on my XXXX  XXXX credit card when I lost my job I authorized them to pay the balance which I know happened. However XXXX XXXX took my account and sold it to Midland Midland refuses to validate the debt they can't because it was paid in full to XXXX XXXX  and yet it Still Remains on my account. 

I was forced to pay this again to get it off my credit report because it is impacting my ability to get a mortgage. 

BUT Midland keeps reporting it anyway Paid in full again confirmation number XXXX. Collector XXXX XXXX. From the XXXX MI office. And even though I expressed to him that this was paid he readily accepted a payment because he was more concerned about his bonus structure than actually resolving an issue for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Between XX/XX/2022 and XX/XX/2022, an inquiry made by CAPITAL ONE BANK USA was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

I never apply for Capital one bank USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
Servicing of the mortgage transferred from XXXX to Rushmore effective XXXX XXXX, 2022. As of XXXX XXXX, 2022, borrower had not been informed of the servicign transfer so borrower made a regular monthly payment of {$540.00} to XXXX. XXXX put that payment into suspense, then on XXXX XXXX, 2022 XXXX transferred that payment to Rushmore. Rushmore did not apply that payment to the loan account, but instead applied it to the escrow account. There was no justification for Rushmore to apply this payment to the escrow account which was not short. The wrongful application of this payment put the loan into default and triggered the imposition of late fees and letters from Rushmore to the borrower wrongfully asserting that the loan was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Sears credit card ending XXXX sent me promotions to spend {$1000.00} for XXXX thank-you points plus the base points before the deadline. I did purchasing and met the requirement and saw the reward points in my account. However, when I called to redeem the points, I was told the card was blocked and no redemption was allowed ; they wanted me to wait for a letter to verify my information. That was in XX/XX/XXXX. A week later I called again because I did not receive the letter. They said I needed to wait for a letter. I asked them to combine my reward to another Citi card reward account so that I could redeem my points, they said no. I called them 4-5 times totally. Finally I saw the letter on XX/XX/XXXX in my mail box dated XX/XX/XXXX. I called them for verification. They said a new card would be sent to me with a different card number. Yesterday, I called for my points redemption. I was told the points were not seen and I heard the reward account was not there I wanted to talk to a supervisor but then got disconnected. I called again for two more times. The reward account or the points were not there accordingly. They just said it was because the credit card was replaced. This credit card got replaced months ago. At that time the reward points were there being seen. I am not sure if they did this to me for vengeance taking simply because I complained about Citi earlier. Also they used auto pay to get the XX/XX/XXXX in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The account was closed but a refund from the escrow account was due. The mortgage borrower has passed away. I am the court appointed administrator. The loan number is XXXX despite repeated calls and letters the bank has refused to issue a refund of the escrow to the estate of the borrower.

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
On or about XX/XX/2022 I was looking at my credit report and noticed a collections account open on my report from a company called XXXX XXXX XXXX with an amount of {$1300.00}. I have never dealt with or have any knowledge of ever doing business with this company nor has anyone been in contact with me in regards to this collection account. I believe someone has fraudulently taken out credit in my name without my consent. I have called and spoken with a gentleman on XX/XX/XXXX from XXXX XXXX XXXX and he took down my information but, has never reached back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
We completed a home equity loan with XXXX XXXX XXXX to consolidate our debt because like most the pandemic hurt us financially. Two of the items in the consolidation was a XXXX retail credit card and a XXXX XXXX XXXX credit card both are backed by Comenity Bank. Both checks were sent to Comenity and both were cashed successfully on XX/XX/2022 and one check was applied correctly to the XXXX card so that is paid off. Our XXXX XXXX XXXX card was paid with check # XXXX for the amount of {$3400.00} and per confirmation of XXXX the back of the check was endorsed with the stamp for Comenity bank. The check was referenced to my name and my card number. Actions taken have been I have sent two secured messages and neither were helpful and had nothing to do with my concern. I replied a follow-up and have not heard back. I have called 5 to 7 times no joke and I either get told someone doesnt know, I get hung up on when they transfer me. Or they are just plain rude. I was told that it would be 48 hours to show, didnt happen, then I was told 10 to 15 days, didnt happen, inconsistent. My last call on Tuesday XX/XX/2022 they setup and investigation that can take 30 days but they said I still owed them a monthly payment or fees and interest would be assessed, so I made that today XX/XX/2022 because they couldnt help me. I wasnt given any case number or confirmation they just said they would communicate through mail, they didnt even verify they have the right address on file or anything. I need this money found because my home equity kicks in soon and I have to start paying that and cant afford both payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Midland credit management {$740.00} and {$630.00} XXXX bank {$830.00} XXXX XXXX {$0.00} balance charged off as bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Transactions in dispute by fraud against my Savings Account Last four digits in XXXX at CHASE. 

{$19000.00} date of fraudulent withdraw XX/XX/2022 {$28000.00} date of fraudulent withdraw XX/XX/2022 I am filing this claim as part of an ongoing issue against my CHASE bank accounts ending in XXXX ( Savings Account ) and XXXX ( Checking Account ) that began on XX/XX/XXXX after receiving correspondence from CHASE allegedly signed by a Telephone Banker named XXXX XXXX, who without proper verification of my identity and in violation of my rights as the owner of my accounts, generated telephone credentials and replaced my debit card in use to a third party, who since that date, has made use of such instruments to fraudulently subtract money from my bank accounts with Chase, as shown by the claims already processed before you under Numbers : XXXX, XXXX and XXXX, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( Corinthian ). Corinthian also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back during the week of XX/XX/22 to notify them again. The agency referenced the sweet vs cardona case. I explained that this was different and the publication from XX/XX/22 from the Department of Education. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Both XXXX XXXX and Bridgecrest Acceptance Corp. have violated me under federal laws though the retail installment contract. I have disputed the debt several time and have not received proper validation from neither company. This complain is to notify both companies THAT THIS ALLEDGE DEBT IS DISPUTED ( please see attached ). This complaint also includes my RIGHT OF RECISSION ( please see attached ) that was never disclosed during the credit transaction. The debt validation MUST come from the accountant of each company.

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 2022-09-02 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:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX XXXX XXXX ( {$980.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$690.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( {$830.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$3000.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$2600.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( {$210.00} ) XX/XX/XXXXXXXX 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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Scammed by a fraudulent seller on XXXX today XX/XX/2022 for XXXX. Scammer persuaded me to XXXX send {$500.00} through XXXX app, partnered with Chase. Both Chase and XXXX refuse to refund the money and do not protect their customers against scams!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through OSCAR system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I called a number I thought was related to my Great Lakes XXXX XXXX but it was actually a scammer. Their number is XXXX. They got my social security number and were able to change my password on studentaid.gov.

Company response to consumer: Closed with explanation