vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX  HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX AND EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

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 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
A COLLECTION HAS BEEN REPORTED TO MY CREDIT REPORT THAT IS NOT MINE.

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 2020-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are 2 account that are showing on my credit report that should not be reporting

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 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I had 2 credit cards with XXXX XXXX, these were 5 years ago. They were charged off, another company got them, originally Ive was {$500.00} and one was {$300.00}, this collection agency called LVNV went to court behind my back did not serve me that I even had a court date and was successful in gaining a judgement t against me for XXXX and XXXX for a total of {$2700.00}. Not only did they do this but XXXX XXXX sheriff served my bank XXXX and took money from my XXXX XXXX XXXX high school checking account. I called XXXX and complained and they said we served you the paperwork and I said yes you handed me a judgement t that was already signed by a judge but thats it. Its criminal what they did. They have other names too so its hard to track them down. They operate from several states including XXXX XXXX Nevada, XXXX Calif and North Carolina. It has been a nightmare. Im going to be homeless soon if I can not get my credit score up. These are the only debts I have. Im XXXX, have a XXXX XXXX XXXX. Our lease ends in XXXX and Ive tried to apply for rentals and Im not qualified because my score is XXXX because of these XXXX XXXX collectors. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

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 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
Debt collection agency notified me XX/XX/2020 I owed then for a aledged credit card debt. Following CFPB & FDC guidelines I sent the first request for Debt Validation on XX/XX/2020 entirely within the 30 days as required. I did not get a response at all. I then ( being nice ) sent another Debt Validation Certified letter on XX/XX/2020 and as of today which the 30 days has expired, have not received anything. I have all documents with necessary proof upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON COLLECTIONS AGENCY ( XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-04-18 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
i tried numerous times to contact huntington bank and let them know that all charges were fraud on my account but they never helped me now i started with XXXX dollars to the good band they closed me out officially at XXXX in charges all from them with no help for me to just get rid of the nuisance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2019 I paid my bill for my Bank of America XXXX XXXX XXXX cash rewards Visa signature credit card one day late. I have never paid a bill late in my life, and have never paid a cent of interest ... I pay my whole balance every month. I am XXXX years old, so this has gone on for quite some time. Bank of America charged me a {$25.00} late fee ... I can not tell you how many times I have tried to reason with them about my perfect record ... and do you really want to lose a customer ... even during the COVID-19 pandemic. They are fighting me to the death on this.

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 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Today XX/XX/XXXX i went to the bank of america branch after talking to online support they stated that i needed to go verify my identity since i havent shown id and what not .. needless to say when i got there its all blocked off everyones worried about covid. I talked to a banker by the name XXXX who didnt even say a word actually to me about anything i told him i wanted to keep my account with boa but not the one i was having suspicious activity, he said well then whats the difference between one and the other, well theres a huge difference my account was being frauded through online and it still would have the same acct and routing numbers .. now i have disputes up the XXXX  XXXX  and even had more fraud charges when i looked at the paper he gave me, he just said take this up to the teller and ur all set. well excuse me but i disputed all of these charges my account online was not allowed to log on and my phone banking everything so i didnt know anything activity wise .. now im out of a bank account because he didnt open one when i asked and im out of all the money becuase it cant be disputed properly without an active account where i can get my temporary credit while i wait for it ..AND ITS COVID CMON BANK OF AMERICA OPEN ME UP A NEW CHECKING ACCOUNT AND HELP AMERICANS NOT HURT US THIS HAPPENED AT XXXX XXXX XXXX XXXX, XXXX  , MI 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 monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
TJMaxx Is refusing to give me a card with my middle initial or middle name. They are doing this because XXXX city and authorities leaked my inforamtion without my middle name. I believe they are letting people use my information without my middle name and it is affecting my credit and I am contantly having to prove my identity and proof of payment with the same name. I am not attempting to help people use my information. Please help use the right information. I do not want to use the wrong information on my card and I do not want to help others use the wrong informaion by providing an a accoint with you for others to use in XXXX. I do not live or have a coonection to XXXX, I moved from there in XXXX of 2018 please do not allow any one in XXXX to use my information.

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 2020-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have funds on my Nevada unemployment card. However I do not have a prepaid debit card to access my account I have called the online number I also have called the unemployment I have not been able to reach anybody I also have written emails I need a card sent to my new address please

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 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: TX

Complaint narrative:
My online bank account Netspend which is affiliated with XXXX XXXX  just stopped my debit card from being used without any notifications or messages. I have seen over 100 complaints in the past week saying the same thing happened to them. I have called Netspend multiple times but the error message I recieve states that due to the COVID-19 they are experiencing high call volume and asks to try back later and hangs up. Ive tried going through the automated system but they do not have an option for my problem. At XXXX XXXX I tried using my debit card at a gas station and it was declined, completely to my surprise. When i tried to use the card I received a message from Netspend advising me to activate my card and provided a link which takes me to the start of creating an account and activating a brand new card. Ive had this card for years and there is no reason I would have to activate my card which Ive used for years. I cant get any direct answers and when trying to call them it will hang up due to call volume. Ive had trouble with Netspend every month the past 3 or so years of being a member. They will hold my money without any notification explaining the reason and make it impossible to contact them since it hangs up every time I try to call. This is the most problematic bank Ive ever experienced. They are down right crooks.

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 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
HELLO MY NAME IS XXXX XXXX MY SOCIAL SECURITY IS XXXX, I NEED URGENT HELP OR PHONE NUMBER IS XXXX. THE DAY XX/XX/2020 I WENT TO A MACYS STORE AND I WAS OFFERED TO OPEN A CREDIT CARD WHICH I REGRET 100 PERCENT, I AM A VERY HONEST PERSON WHO WORKED VERY HARD MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS, THE REPRESENTATIVE TOLD HIM I WILL BUY SOMETHING BUT I WILL PAY IT IMMEDIATELY FOR THE REASON THAT I DID NOT WANT DEBTS AND IN MY RECORD CAN SEE THAT MAKE THE PURCHASE WITH THE CREDIT CARD AND THE PAGE INSTANT, SHE TOLD ME YOU WILL RECEIVE YOUR CARD BY MAIL, THAT CARD NEVER ARRIVED ME, SOMEONE OPENED THE BOX MAIL AND ACTIVE MY CARD MAKING PURCHASES, IN THE STAMENT OF THE CARD YOU CAN SEE PURCHASES UP ONLINE WITH ANOTHER ADDRESS THAT IS NOT THE My ADDRESS, YOU ARE CHARGING ME SOMETHING THAT I DID NOT, TALK TO THE LANDORD OF MY APARTMENT AND I ENSINE PHOTOS OF TWO INDIVIDUALS WHO FOR THAT DATE STOLEN ALL MAILS AND LETTERS YOU CAN SEE MY CREDIT RECORD PAYING ON TIME I'M NOT GOING TO LET YOU GUYS EAT ME SOMETHING THAT I DON'T USE, NOR GIVE ME MY CREDIT I'LL SEND YOU THE PHOTOS OF THE PEOPLE WHO STOLE THE MAILS, AND THIS IS GOING TO HAPPEN TO COSTUMER FAIR BECAUSE IT'S NOT FAIR THAT YOU DON'T ASK FOR ID IN A MACYS STORE TO BE SHOPPING WENT OVER TO LIMITE THERE YOU CAN TELL IT WAS A Robbery

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 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint purchased by loan following XXXX bankruptcy. When the transfer occurred they added my mother back on the account ) XXXX XXXX XXXX ). She was never a signer on the loan. SHe also quit claim deeded her name to the property over 10 years ago when she filed for bankruptcy. Title of the property is in Trust and they appear to not like that. There is nothing they can do about it 15 years later. Technically, leaving my mother on the account would discharge the debt which would be adversarial towards Shellpoint, the new loan servicer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take a medical leave of absence so I was dropped and the school showed no sympathy or concern for my health or education I was not in the right mental state at that time and I left the school did not share my best interest or give me the options that best suited my needs as promised I contacted the school while I was in the hospital and they did. It put me in medical leave

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  IN 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-04-18 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XX/XX/2020. Why is Chase Bank now making it even harder to get a home equity loan during this pandemic? I was told today that a persons credit score needs to now be a minimum of 700 instead of 680. Before the pandemic the parameters were even lower. Why are they making it so average working people can not get money against their own homes? In the last two months my score has dropped 200 points - the government and banks are not working together? Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
Asset Recovery solutions LLC has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692c ( 3 ) 4. 1692d ( 2 ) 5.1692c ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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