vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Frontier Consumer Law Group, LLC
State: OH

Complaint narrative:
In XXXX I enrolled in Fast Track Debt Reliefs debt relief program, with my 1st payment being deducted on XX/XX/XXXX. On XX/XX/XXXX I was laid off due to COVID19 and I had to skip my XXXX and XXXX payments. On XX/XX/XXXX I needed to contact the company for a question, I left voicemails, sent emails and even left voicemails on attorney XXXX XXXX ' voicemail, no one ever contacted me back. On XX/XX/XXXX I chased then down to get someone on the phone. When I finally got someone, she informed me that they could not help me until I made up the 2 missed payments of {$380.00} each and that my account was in the negative because of those 2 missed payments. I was shocked that they were charging fees to my account without making 1 payment to any of my creditors! They were eating up all of the money by charging fees, not making payments. I was told when I cancelled that they owed me no money back because I signed a contract. I signed a contract for a service that was not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CA

Complaint narrative:
On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, XXXX and Transunion. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute

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 2020-08-05 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: CA

Complaint narrative:
On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, Equifax and XXXX. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One bank has reported incorrect account on my credit report. Account was removed but XXXX  unblocked my credit file and allowed Capitol One to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from Capitol One. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX  refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: FL

Complaint narrative:
To Whom It May Concern, This letter is regarding account I.C. Systems Inc, which you claim this is my debt. This is formal notice that your claim is disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information in herby requested. 
Additionally, please provide name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX 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 2020-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been reporting incorrect Credit Information/Summary to Creditors. 
In a recent credit card request to XXXX XXXX and XXXX XXXX, I have received refusals from both, saying EXACTLY same following information was received from Experian : * Serious Delinquency >> I disagree * lack of recent installment loan information >> Last time I took auto loan was on XXXX & XXXX and paid them fully by XXXX Since then I had no need to take a loan. Why is that bad? 
* Too few accounts as paid as agreed >> I disagree, only 2 credit accounts paid fully every month * Too many accounts with balances >> I disagree, only 2 credit accounts paid fully every month * Number of credit bureau inquiries >> 6 inquiries- including apartment & utility inquiry Credit Score Reported : XXXX??? while My XXXX XXXX score is : XXXX The report I get from Experian does not agree with above items. So Experian has been reporting different information or summaries to creditors. I need to understand / get it resolved over the phone with Experian credit specialist. But do not have a way to reach out to them by phone. 

I am tempted to ask Experian to stop collecting & reporting my credit info.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: ME

Complaint narrative:
I called Preferred Credit on XX/XX/XXXX. Spoke with the rep who answered the phone. Asked about the debt and how to take care of it. She told me that the debt was charged off in XXXX as a loss. And at this time I was not obligated to pay off the debt. She couldn't give me written proof that I was obligated to pay the debt off. And that I could pay it in full if I wanted to but not obligated. I asked to settle and have it removed and she told me she couldn't do that as if it wasn't paid in full they couldn't take it off my credit report. And I asked her if I wasn't obligated to pay the debt, but offering to settling it with a agreement of less than what was owed, and they still wouldn't take it off my credit report doesn't make sense. I was trying to settle a debt that the company told me I wasn't obligated to even pay, and all I asked was to remove it from my credit report if we came to an agreement for a fair settlement price. They still wouldn't accept that. And I asked again if I wasn't obligated to pay then they need to remove it from my credit report and they said they couldn't. The company isn't even reporting the correct information on how much the debt is for. It says XXXX but it is actually around XXXX. I am asking that you investigate this information. And if it's not correct, that is to be taken of my credit report. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a Capital One Credit Card. 
I paid off the entire balance on the card in the last billing cycle. They still charged my account interest on the XXXX ( XXXX balance ). I have called the company and talked and waited on the phone for about 55 minutes without any solution. The company neither took interest charges nor took the late fee off. The interest charged was {$24.00} and the late fee charged next month was {$24.00}. 
They are not suppose to charge interest if the amount is paid in full and no balance is carried after the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is absolutely ridiculous this bank closed my account this is not fair without notifying me when I found out on my statement I didnt even know customer service tells me I requested a closure but that is not true I called them to report my card as lost and the lady closed my account in error customer service said the account had to be reinstated this is not fair.

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I would like to link my pnc account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage placed hazard insurance on my property without my knowledge or consent. Shellpoint hired XXXX XXXX for this insurance. I already contacted both companies requesting cancellation of this insurance and they have both refused to comply. I am being deducted money from my monthly payments to go this insurance and I have no clear knowledge of the amount and dates.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I live at least 2 hours from the closest Chase Bank Branch. I established the accounts online and it would not let me add my wife when I opened the accounts. I want to add her to all accounts with chase as an owner, but they now require that I drive to the branch and have with me to add her as an owner. I am XXXX years old and it is a hardship to travel. I would like to add her as an owner online but bank policies will not allow that. If I pass on before her, I need to have her on it as an owner so that she will not have a problem claiming the funds in my accounts. What can be done for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: PA

Complaint narrative:
I submitted a previous complaint on XX/XX/XXXX to XXXX XXXX XXXX. I was told by them that I have a balance in my escrow account that I would either like to receive directly or use as a principal reduction on my loan amount. The attached letter shows I have a balance of {$10000.00}. The work is completed and the contractor will not be performing any more work at the property. The lender needs the full and final lien waiver from NACA as specified in the letter. 


Sent on XX/XX/XXXX A few years ago I had used a organization called NACA to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/XXXX. The service provider that provided the mortgage through NACA was XXXX XXXX XXXX. The issue I have is that I used the HAND process through NACA to perform renovations on our property. During this process the NACA Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me. I submitted a complaint to the company but did not reach a adequate resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: MI

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: MI

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-08-05 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: U.S. BANCORP
State: SC

Complaint narrative:
I was a victim of COVID 19 during the months of XXXX, XXXX, XXXX which had my XXXX XXXX crippled with little to no work. Ive called and discussed the matter with them to have the Late payments and no info remarks removed and to be put back to on time never late status. They told me that I will have to dispute it in writing. Ive also paid the balance completely off. I really need this negative and no info remark removed. Thanks in advance

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 2020-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX my bill was due for XXXX dollars I paid the one half and tried to settle a agreement promising to pay the other half plus the next month due with the lender on multiple occasions. And they would not assist me. I was severely impacted by Covid-19. After I explained to them I had a temporary loss of income due to employer cutting back hours and me XXXX XXXX XXXX XXXX XXXXXXXX they gave me this late payment. And now I can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Since XX/XX/2020, Comenity Bank has repeated called and harassed about a debt they are claiming is owed, that is not. 

During the start of the pandemic, the bank also started using COVID as their reasoning for calling, claiming they would offer extended programs so I could repay the debt and then openly berating me for refusing to pay. 

Today, the company resorted to calling my mother, whom I have not lived with in decades, to get in contact with me, despite having my phone number on record. 

When I contacted them again and told them YET AGAIN to stop harassing me, the agent got aggressive and started arguing with me, claiming that their harassing tactics were not a violation of the FDCPA. When I asked where they got my mothers number, a number that I didn't even know myself, the agent respond with " we have ways to find this information ''. BECAUSE IT'S APPARENTLY NECESSARY AND ACCEPTABLE TO CONTACT MY XXXX YEAR OLD MOTHER ABOUT A {$200.00} DEBT. 

As I said before, this business is refusing to work with me over this debt, that is essentially late fees tacked on late fees, that are not owed to them, while threatening to ruin my credit if I don't pay, and contacting family members to reach me. 

These tactics are a clear violation of the FDCPA and this company needs to be dealt with, as their agent even admitted that their methods are their standard practice. 


Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXX XXXX $ XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation