vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Diaz & Associates writes in a letter that I have a debt of {$7400.00} from " XXXX XXXX XXXX XXXX  ( ) '' and they're offering me " an opportunity to resolve this account in full for the balance of {$2600.00}. '' I checked my credit report, and no such bank name appears on my credit report. I looked up the bank to see if it was legit, and XXXX XXXX was acquired by XXXX  XXXX XXXX in XXXX and renamed the next year. It's late XXXX, so that means XXXX stopped issuing credit cards over 15 years ago. In the whole ten years of my credit history, this credit card didn't even exist. In California, a debt collector has to inform a consumer if a debt is time-barred. The collector must include the notice in the first written communication sent to the consumer after the statute of limitations passes. Clearly, if it's not even in my credit report, it's been way over the 4-year statute of limitations for written contracts in California. It's all very fishy, like they've purposely picked a bank that doesn't exist so the consumer can't call in and ask questions to verify the alleged debt.

I think this company is trying to extort money out of me. Is Diaz & Associates a scam?

According to the XXXX XXXX XXXX  website, Diaz & Associates has had 63 complaints closed in last 3 years. The many many other claims appear to still be open. One guy who got the same letter as me wrote that " my credit report clearly shows I have never had any business with any firm by that name or in any similar amount. This " attempt to collect a debt '' is CLEARLY a phishing scam, CLEARLY illegal and I want them to cease immediately, release me from all claims and liabilities pertaining to this unsubstantiated debt collection account, and to send notice to any credit agency affected that this account ( File # ****** ) is fraudulent and without support documentation. There are many other websites that tell horror stories about this company I can not believe they are still in business. 

But they are, and Im guessing their tactics work to scare the vulnerable into falling for their scam, and that they're making tons of money by targeting seniors like me! 

Please investigate and try to stop them from this scam! 

XXXX XXXX, Legal Administrator Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX Master Card 2021 Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of unauthorized charges to Account No. ending in XXXX Billing Inquiries Division : I am writing to dispute a total unauthorized charge in the total amount of {$1100.00} to my XXXX XXXX XXXX  Master Card account between XX/XX/XXXX and XX/XX/2021. 

During my visit to XXXX, XXXX, my credit card was lost and as result, 8 unauthorized charges were made in the account. On XX/XX/XXXX, after receiving an email alert from Barclays fraud department, I realized the credit card was not in my possession, I logged into my account and could confirmed with the bank that several unauthorized charges have been made in my credit card account. 

On XX/XX/XXXX on the day of my return to the United States, I logged back into my account and realized all fraudulent charges were posted back as mine, I decided to contacted the fraud department and I was informed that Case # xxxx have been closed without any further explanation, then, I was transferred to a Fraud Specialist call XXXX in XXXX, who explained to me that I would have to proof I did not made those fraudulent charges since charges were made while I was still in XXXX. 

On Monday XX/XX/XXXX, I decided to call back and spoke with XXXX, another fraud specialist in XXXX, who assured to me everything was right and all fraudulent charges would be removed from my account during the next XXXX charging cycles while the investigation was in process, which have being completely inaccurate since all fraudulent charges remain in my account as XX/XX/2021. 

Since XX/XX/2021, I had spent several hours trying to get in contact with their fraud department for further explanation to no avail, I had been put on hold several times for hours, waiting to speak to XXXX XXXX XXXX Mastercard fraud department without success. 

As consequence, the fraudulent charges continue to be posted in my account and the dispute amount reflected in the total balance, high interest continue to be accrued, affecting my credit score and my peace of mind. In addition, after many attempts, I havent been able to communicate with any fraud specialist to explain to me what is the reason of the arbitrating decision of closing a fraudulent case and forcing unauthorized charges into my account. 

This is a clear violation of my rights as consumer and violated The United States Federal Consumer Financial laws, in addition, using false benefits as {$0.00} fraud protection benefit offered in your promotional material to acquire new customers, it constitutes use of deceptive and false advertising to misleading them into purchasing your service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
Dear Sir or Madam, I have requested information from Equifax concerning an erroneous public record on my credit file. I have submitted a request for information that has not been provided within the required 30 day timeline they are allowed by law. 

I have supplied a copy of the letter sent to them and am very frustrated I've not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: DISCOVER BANK
State: PA

Complaint narrative:
Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX Street Location : XXXX XXXX XXXX XXXX City & State : XXXX , PA XXXX To : DISCOVER FIN SVCS LLC Address : XXXX XXXX XXXX City & State : XXXX XXXX DE XXXX Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT DISCOVER FIN SVCS LLC Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX , A XXXX, non-Adverse, XXXX, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents. 
DISCOVER FIN SVCS LLC is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
DISCOVER FIN SVCS LLC have reported to XXXX, XXXX, and XXXX a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX XXXX XXXXcation : XXXX XXXX XXXX XXXX City & State : XXXX XXXX PA XXXX To : TD BANK USA/TARGETCRED Address : XXXX XXXX XXXX City & State : XXXX, MN Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT TD BANK USA/TARGETCRED Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX, A WOMEN, non-adverse , non-belligerent, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents.

TD BANK USA/TARGETCRED is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TD BANK USA/TARGETCRED have reported to XXXX a late payment on XX/XX/2016. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Saxon has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. Saxon has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not Saxon. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
So they contacted me a few months back about settlement of the debt. I paid as agreed unelder the impression that would do their part and remove this from my credit. They did say paid as settled on my report but it still shows as negative. This really needs to be removed due to the inaccuracies of reporting. This has impacted my credit tremendously and needs to be removed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I lost my wallet and an unauthorized individual, whom I don't know, used my debit card, and my credit card, to buy thousands of dollars in XXXX merchandise. There were other charges that never made it through because they were declined by both XXXX  XXXX XXXX and Chase, once they recognized that they were not within my normal shopping patterns. 

Hours after the incident, I reached out to the fraud departments of each respective company and filed a fraud claim. XXXX  XXXX XXXX, the bank I have my debit card with, reversed the fraud charge in the amount of {$4900.00} very quickly with no issues after I gave them my statement. 

Chase, however, did not. I called 6+ times to resolve it between XXXX and XXXX, and they just pushed me from department to department, asking me to email documents proving that XXXX reversed the charges. I obliged and sent the documents. No response from Chase. I did it again. Same result. I was getting automated emails saying that they would process the documents, but every time I called, they said I didn't send them and that I would have to try again. In total, I sent the documents twice, on XX/XX/XXXX and XX/XX/XXXX, after I found out that they closed the claim without sending me a letter or notification or anything. 

This is not a small amount of money, and I have had to pay the nearly {$4000.00} bill for the charge ( {$3800.00} to be exact ). I have gotten multiple letters saying that the charge was valid and that they were closing the claim since I sent the emails in. Every time I call, it's the same routine. Now, however, the fraud protection department won't even answer the phone, and whenever I call, it puts me through to someone, we talk for a couple minutes, and then they hang up in the middle. Every. Single. Time. 

This is so ridiculous for a company of Chase 's size, and it feels like they have no care whatsoever for solving my problem. I'm a small business owner and I can't afford to give away {$4000.00} dollars, but they refuse to do the bare minimum. I sick of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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:
I have filed three fraud dispute with trans union and also have tried to get the company XXXX to remove this from my credit because it does not belong to me and I am having no help from any of them. I do believe this belongs to someone because they made a payment but it 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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: DC

Complaint narrative:
Welcome bonus terms -- 1 purchase by XX/XX/21 -- were met the but bonus ( XXXX rewards points ) has not been issued. The issue has been escalated to specialists multiple times with no resolve ( the latest ticket has had no updates in over a month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
In XXXX Honda Finance Corporation showed up on my XXXX credit report. It does not show up on my XXXX or XXXX credit bureau. I have repeatedly ask Honda Finance Corporation to remove this item from my XXXX credit report. The account # Im showing is XXXX account opened date XX/XX/XXXX account was charged off. I have never co-signed with anyone on a car loan. This is not my information I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Bluebird Pre Pay Card American Express I was charged for a purchase made on XX/XX/2021 that was fraudulently charged and debited from my account in the amount of {$420.00} I immediately called Bluebird fraud department XXXX and a dispute was made that same day. 

I received an email from them stating that based upon their investigation they have determined that no error occurred and that the transaction in question was authorized. 
Therefore, the transaction is NOT eligible for credit to your account. 

I called them and was told that the investigation is closed and that I have to open another one. I advised them that I want proof, documents, name and contact information on the creditor. I was advised that they didn't have the information and that I had to WRITE a letter to Bluebird Customer Care which I did and informed them that this issue is to be resolved and my {$420.00} refunded back to me.

This is FRAUD and their decision is unacceptable and want answers. 

Thank you

Company response to consumer: Closed with explanation