vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
due to covid 19 i pulled a copy of my credit report and notices accounts i did not open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CA

Complaint narrative:
Dear CFPB, I have been in good standing with my AAdvatage Citi Bank Master Card for years. My bills are always paid in a timely manner and I have revolving credit available. My card that expires XX/XX/2022 but has stoped working out of the blue. I called the Citi card customer service and they said first that called to request a new card, which is false. Then they changed their answer saying the bank decided to give me a different card number but did not explain why that is the case. They said twice they mailed me a new card. No card has been received in the mail. The United State Postal Service scans all my envelopes and emails me the scan before they reach my mailbox. A scan was never received of mail form Citi bank since my card has stopped working. Now Citi Bank card customer service is telling me my line of credit has been closed. I did not authorize this account closure. The reason they gave for closing the account is that the credit card was sent bank to them by the post office.

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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/2020 @ XXXX my wife went to purchase an XXXX XXXXXXXX from a seller on offer up for {$300.00}. The seller told my wife she can pay through cash app and our order will be at our home within 1-3 days. We said ok! and asked for the tracking number. I say about 10 minutes went by and we noticed we have not received a tracking number.. so i requested my money back twice but the seller declined then deleted their account on offer up and blocked us on cash app.. we reached out to both cash app, offer up, and even our bank. Everyone said there's nothing they can do so our bank told us to contact your company to help resolve and hopefully recover our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for 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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened an account, online, with Bank of Amercia on XX/XX/20. On the date of account opening, I completed the online information based on my current legal identification. Approximately 4 days later, I logged into the account via my Bank of America mobile app, to attempt to add an external bank account to my profile. At that time, I noticed that my account profile information had been changed to old, invalid information. The name, address and email contact information had been changed to my previous married information based on an account profile from 5 years ago. 

I immediately called the bank, keeping in mind that my new account is a joint account with my now fiance. I was advised that, over the phone, they could change my mailing and email address. However, I would not be able to change my name. I was advised that I would received some documentation in the mail that I would have to complete and drop off at the local branch. 

Approximately two days later, I went into the branch to make a withdrawal. At the teller line, I was advised that I could make the change in the branch, but that I would have to make an appointment. I stated that I would just wait for the documents as I did not have time to make an appointment based on the abbreviated hours of the bank. 

Fast forward to today, I was attempting to link another external bank account. I went through the entire verification process only for the account to not be added because the name does not match. I then made an appointment at the branch, went in with all of my identification ; DL, social security card and password. All with my current legal name. I was then advised that now they can change my name but since the account is a joint account, the other account holder would have to be present. Should I mention that he does not even live in the same state? Nor had this been a statement made to me at any of the other times I initiated contact to get this matter resolved. 

My complaint is that, if you have a customer that is filling out an online application in which they attest that the information on the application is true and accurate, how are they able to just change the information on the application based on a profile that was in the system from 5 years ago? If, during the application in process, there was a discrepancy in information ( XXXX ) why was it not deemed necessary to reach out to the customer ( me ) to confirm my information, ie. request a copy of my driver 's license or social security card? Futhermore, what if the account profile information had been changed prior to the issuance of the card? The card would have been mailed to an old address that I no longer reside at and could have fallen into the hands of a fraudster.

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 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter from a debt collector XXXX Midland Credit Management , Inc ) alleging I owe XXXX XXXX, issuer of the XXXX XXXX Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above XXXX ) and would not want to jeopardize it in any way. I contacted XXXX XXXX to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call Midland Credit Management Inc., and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Case was closed in couple years back. Do not know why this is still on record and why I'm being mailed letters from debt in 2016. The case was handled by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I honestly don't know how to categorize my issue. I received a letter back in XX/XX/2019 from Fair Collections and Out saying I owe {$2800.00}. I called them on XX/XX/2019 saying I didn't owe the balance and that I had proof that I moved out the date I moved out and that I received a utility bill for the same time that the company is trying to collect from me. The lady I think her name was XXXX ( I'm not fully sure ) told me that I could dispute and submit to her my proof and that they will reach out to the company. She also stated that the on XX/XX/2019 the collection will be added to my credit report. I called back in XX/XX/2019 to check the status of the dispute. She told me the company haven't replied yet and that she will contact me once the counter suit was submitted. I call back again the first week of XX/XX/2019 to check the status again. I told the lady that is was days before this collection is suppose to be reported to my credit and I still haven't received anything as proof showing I owe anything. The lady told me that the company didn't have to prove anything to me with a nasty attitude. When she said that I told her that because they cant prove to me that i'm responsible for the debt the debt didn't belong to me. I still haven't received anything and about this debt other then the bill from the debt collector and the collection is now on my credit.

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served. 
I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for 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 2020-06-09 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: GA

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: GA

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-09 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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for 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 2020-06-09 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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for 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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-09 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX has been falsely reporting Mrs. XXXX XXXX   mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXXXXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.

Company response to consumer: Closed with explanation