vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XXXX the XXXX, my ex-boyfriend requested a loan with XXXX for XXXX USD to purchase a laptop from XXXX for a total of {$2800.00}, which as of today makes a total of {$3100.00}. Back then I allowed him to use my information only to create his account, and he had more information because I had entrusted it to him before, but I never have my consent for my information to be used to borrow a loan. Besides that, I was younger and did not have much experience with anything credit-related. 
I kept receiving emails for overdue payments but I still thought they were just because he had used my email address to create his account. All of these emails I forwarded them back to him until I stopped receiving them. 
On XX/XX/2020, I received the first message from True Accord informing me that they were going to be collecting the debt I owed to XXXX  for a loan I never borrowed. The only loan I had borrowed before was my school loan. I disputed this on XXXX the XXXX. 
On XXXX the XXXX I figured out that the date and company the loan had been borrowed from matched with the time my ex-boyfriend asked for my information and bought his laptop. 
I have been trying to solve this out directly with him, but since he has already scammed a lot of people before, including me in other occasions, I am reaching out to you to solve this myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I signed up for the {$300.00} bonus promotion and got confirmation via phone call and inside the branch that the bonus code was attached to my account. I fulfilled the requirements for the bonus ( direct deposit over {$1500.00} within 90 days ) and should have received the {$300.00} bonus as of XX/XX/2020. However, I have not received the bonus. Please credit me the {$300.00} as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reached out to Capital One to pay my debt and was told they sold it to : XXXX XXXX XXXX attorney in California. I did some research and found out that they filed a lawsuit and submitted for a judgement without my knowledge or serving me. I attempted to contact this company 11 times over the course of the month and they dont return my calls, and the two times the secretary answered I said I want to pay my account she said shed transfer me to complete and hung up. They are falsifying information and not accepting payments to increase fees fraudulently. I made several high-level folks at capital one aware so they have full knowledge with the following email to which I have yet to receive a response : ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of Capital One corporation. The email below : I was a credit card holder for almost 10 years and still have a capital one Bank account. short backstory during the economic downturn a few years ago I unfortunately could not pay and my credit card charged off. I am however getting things back together and called Capital One to make payment to cure my debt however it was sold to a company called : XXXX XXXX XXXX attorney. I've made multiple attempts to speak with them with no success. I included their yelp review because a company like this is bringing down your brand as a company to do business with. I was told this company does not respond ; they wait it out to collect additional fees and practice very unethical behavior when consumers are attempting to make good. I am asking you for help. Please recall this account from them and let me pay it directly. Also review their XXXX reviews attached and see how their unethical practices are tarnishing Capital One 's reputation especially with minorities as it may be better to look at a company that actually returns phone calls. 
I have also included my account number and phone number for response. Thanks in advance https : //XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint Mortgage continues to withdraw insurance premiums from my escrow amount after receiving all the documents showing proof of insurance coverage. 
The following amounts have been withdrawn from escrow account : XX/XX/2020 {$490.00} Shellpoint Insurance XX/XX/2020 {$1100.00} City Tax XX/XX/2020 {$450.00} Shellpoint Insurance XX/XX/2020 : Current escrow balance {$210.00} Today : XX/XX/2020 Noted an insurance refund of only {$71.00}. 

Shellpoint Mortgage has not refunded the entire amount of all the insurance premiums that have been withdrawn from my escrow account, resulting in a negative balance of {$210.00}. 
This will significantly affect the report when the XXXX XXXX is performed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Risecredit, LLC
State: CA

Complaint narrative:
I contacted the company ( RISE ) to dispute the information they are reporting to Transunion Credit Bureau. I asked for the documentation of the debt being mine and a record of the payment history for the account with them. 
I did not receive any items indicating the account status or my ownership. 
The company also did not notify Transunion within 30 days that I was disputing the information on their credit report.

This is a direct violation of FCRA 611, 602 AND 603. The company ( RISE0 did not notify Transunion of the item being disputed thus having the credit report indicate the item was being disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have requested a validation of the debt and disputed the validity of this debt. I sent it via certified mail return receipt requested to the attorney that Amsher Collections allegedly referred my account out to, and I have yet to hear back. the certified mail number is XXXX XXXX XXXX XXXX XXXX sent to XXXX XXXX, Attorney at law in Alabama -- she isn't even licensed in the state of Texas to sue me. But I was told that my account has been sent to this attorney for a lawsuit by Amsher Collections for an account owed to XXXX XXXX. I have not had an account with Charter communications since well before my son was born, as this was who I was required to have cable with when I lived at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. My son was born on XX/XX/2013 and we haven't lived there since then. 

I want this removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting a complaint because I strongly feel that Synchrony Bank/ Rooms To Go has acted with malice and has violated my  consumer rights. I opened an account with them in XX/XX/XXXX and during the course of our business association, I honored and respected my account agreement to the fullest, never becoming delinquent. 

To my surprise late XX/XX/XXXX, they abruptly closed my account without any merit. This in turn has drastically affected my credit status putting me in a position to pay a higher interest rate etc. On XX/XX/XXXX, I attempted to resolve this matter by phone call and I also followed up with a formal letter dated XX/XX/XXXX asking them to reconsider their action to no avail. Attached you will find the letter that was mailed to them. As of today, XX/XX/XXXX I have not received any positive response from them. 

I was very keen on paying this account on time and NEVER been late not even with a single payment. On all my phone calls to Synchrony Bank I was told that it is impossible to reinstate my account. I was trying to base my complaint in the fact that my account has been in good standing since it was opened. 

I also have a another Synchrony Bank/Care credit account that is in good standing so I really don't understand why the Rooms to go from the same lender was closed. On one of the letters attached they claim that my credit score is XXXX according to XXXX XXXX I called XXXX XXXX and my score is at 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 2020-07-28 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX my student loan repayment was waived because of XXXX. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during XXXX monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: TX

Complaint narrative:
Hello, I was involved in an accident where I was hit from behind along with damages and a totaled car. I am not responsible for the debt that they are saying that I'm responsible for. XXXX didn't send me anything. A third part collect is threatening to take my license and report to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 — Was not notified of investigation status or results
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
on XX/XX/XXXX a request was made in writing to GLA collections XXXX XXXX XXXX XXXX Ky. XXXX ( XXXX ) XXXX in reference to ( 2 ) accounts that they were reporting to my credit report. The request was for documentation proving the account was mine and to let me get with my insurance provider to make sure this was not an oversight. I did not recieve the information as requested in the 30 days allowed by the FCRA. I contacted them in XX/XX/XXXX and they did not get the information out. So, I contacted them on XX/XX/XXXX and was told they could not and would not speak to me about this account. until the cease and desist was removed. The cease and desist was on all collection calls not the sending of the verification of debt which they failed to send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
-Total debt enrolled : {$10000.00}. 
-Total settlement amount : {$5900.00} -Total amount deposited into Dedicated account so far : {$9000.00} -Total amount still due in deposits : {$3900.00} We ( my husband and I ) hired FDR because they claimed that from our $ XXXX debt, they would be able to negotiate a settlement of 40-60 % for a small fee ( which they did do ). 

However, if you look at the above totals, youll quickly notice that their small fees will end up being MORE ( {$7000.00} ) than the amount settled. 

This company is completely dishonest and are taking advantage of people who are in a tight position. We would have never hired them if they had clearly told us that we would end up paying them the amount referenced above. 

To make matters worse, theres barely any money left in our dedicated account ( which had almost twice the amount we settled for ) and theyre claiming we still owe them deposits for the next two years. 

Can someone please help? I feel hopeless. How could this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a closed account which is also new than 6 years old. This needs to removed from my credit report so I can move forward with fixing 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 non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
They are sending me notices of debt but I don't owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group
State: IN

Complaint narrative:
The company Supurlative RM contacted a reference, then proceeded to give out my full name, address, date of birth and my full SOCIAL SECURITY NUMBER. My reference said they aren't supposed to give out that information and he insisted the call was me. She continued to tell him he shouldn't be giving her that information and he then started to argue and berate her insisting she was me and finally hung up and she told him to stop calling her. Not only do they continue to call her, they gave out ALL of my personal information!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Around XX/XX/2020 I started a process to refinance my home. I attempted to unfreeze the credit reports for my wife and me. The Equifax website was not functioning and referred me to a phone number. The automated system had me respond to questions that would identify me. At that point the system said they would text me an access code. On three different attempts the text did not arrive for 3 days. Of course, by that time the codes were invalid. 
Finally I reached a live person who told me to fax my request with copies of Driver 's License, Passport and Social Security Card. After a week of no response, I again faxed my request and documents as well as sent them via USPS. After several weeks I finally received notice via USPS that the accounts were unfrozen.

As a result the original mortgage rate offer was withdrawn and closing delayed for over a month. I'm now awaiting a new rate quote hoping that it will be as favorable as the original.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/2020, XX/XX/2020 I called the company several time to have the account removed. Before that I've sent several validation letters only to receive nothing in return. The company is not cooperating l and when i call they constantly send me on the runaround. I cant get any information and then when i do talk to someone they tell me to contact the credit bureaus to have it removed. Each time I dispute it the company says that they verified it, that is not true. They can not produce any paperwork or remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a closed account which is also new than 6 years old. This needs to removed from my credit report so I can move forward with fixing 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 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/2020 I sent XXXX  the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?

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 2020-07-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2020 I sent Experian the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I asked Discover Bank to transfer my IRA to XXXX Bank. XXXX Bank sent Discover Bank all requested paperwork yet Discover Bank refuses to wire my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I bought a new car in end of XX/XX/2019, I authorized the finance office to run my credit once and they ran it 7 times. I need the other XXXX inquiries removed from my credit report as it is impacting my credit score and the office should have only ran it once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Vendor : AMAZON/CHASE On XX/XX/2020 I purchase a wrist watch by {$64.00} plus handling, shipping tax which amounted to {$78.00}. I returned the watch and on XX/XX/2020, Amazon informed that a REFUND was issued on XX/XX/2020 and watch received by vendor on XX/XX/2020. 
Please note that Amazon informed that a REFUND ( No " Gift Card '' ) was issued and CHASE debited my account for the purchase and credited it for the refund. I was satisfied knowing that my AMAZON/CHASE account was refunded. 
On XX/XX/2020 I received a letter from CHASE informing that a charge back for the same amount {$78.00} was made due that A GIFT CARD WAS ISSUED for said amount and that I used it for other purchases. ( per today XX/XX/2020 phone conversation I was informed that I used said GIFT CARD to make 3 purchases and was given the items I bought which looks they in fact were purchased. 
THE PROBLEM IS : that Amazon used to gives reward points in the purchases customers made and I though that the credit I received in the 3 purchases was for the POINTS and not for a GIFT CARD they said they issued since I ignored and was not informed of such gift cards. ( See attachment that shows a REFUND was made NOT A GIFT CARD. 
SUMMARY : Amazon should NOT ISSUED gift cards for returns but REFUND the value to whatever method of payment was used since gift card OBLIGE customer to continue purchasing. I feel deceived by the policy of AMAZON and I am DISPUTING THE CHARGE OF {$78.00} even if I unknowingly used the gift card they said issued thinking that the credits were for reward points.

Company response to consumer: Closed with explanation