vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated.

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

2. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My Loan Servicer ECSI- Heartland has a terrible repayment system setup. Issues include 1. Not being able to make a payment of more than XXXX at once. 
2. Not being able to set up a future payment 3. Not telling you your full payoff amount when you got make a payment Essentially they have erected barriers to paying off your loan in full at once so they can continue to charge usurious interest rates in the modern economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a debit card from US Bank that I did not apply for. Not only did I not apply for it, it came in a last name I have not had for almost 20 years. The last name is no longer used as I divorced. I called US Bank to attempt to report this situation. I was asked my social security number, my date of birth, the debit card number received and my legitimate credit card number I have with US Bank. When I was asked my login for my credit card, that is where I drew the line. I should have stopped giving the other info sooner, but I figured it was my credit card company for about 12 years, they must be asking for legitimate reasons. I then asked to speak to a supervisor. I was told no supervisor was available, but when one was, I would receive a return call. I never received a call back.

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 2021-07-22 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I first noticed this approximately late XXXX, i would get locked out of my online account and have to call the bank and have them reset my access to the account to make a deposit from my savings account. Then by early to mid XXXX it had gotten to the point i would have to call bank fraud department to have my access restored. this is where it got really inconvenient as bank fraud was only open XXXX to XXXX and was much harder to get through to, for me. it went from having to call once a month to having to call just to have 10 min of access to the account. this continued to progress even as i complained, to the point when i called and had my access restored i would have 10 min. until it would time me out, then i would have to call bank fraud again. this was some kind of new security measure is what i was told yet no one could tell me why i was getting flagged every time i logged in after telling me they fixed it several times, i could tell the girls at my local branch were tired of me calling every day to get access to my account as covid took hold it became much harder to run to XXXX XXXX  then run to fifth third to deposit money. XXXX is where my mmda account is and where i transferred money into the fifth third account from. once the lockdown took place this became way more complicated than just running to each bank to make a deposit. for the last few months at fifth third the girl at my branch set up a e mail if my balance went below XXXX dollars, and i would hurry to walk a deposit over. they would wave the overdraft fees and try some new way to fix the problem. then it seemed to me money was missing from the account, having so much activity and all the chaos with trying to view the activity by this time i only had the 10 min time before it logged me out and i would have to go through the hole process to get another 10 min to view the account. I found out that money was missing and they had charged me for overdraft fees, having only the 10 min i was unable to go through the account fully to find the missing money. i was also getting ready to go in for XXXX  XXXX at this time, i opened an account at a different bank. i sent fifth third several letters asking for help but with covid there was little in person help and over the phone help had gotten way harder. so i sent letters and figured they would get to me when things calmed down. then a few weeks ago i received a notice from a collection agency .that was the first letter i had gotten at all from any response from fifth third. i had no idea they were saying i owed them money this seemed ridiculous giving the circumstances. i had sent so many letters and gotten no response, then this so i called to resolve it and got no where. i should have many of the phone calls recorded i am going to begin to look for them. i would like my credit restored with an apology written and i would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NH

Complaint narrative:
I have private student loans with Discover Student Loans. I misread my statement and thought that my payments weren't due until XXXX when I was initially notified. Unfortunately, for the past two months I have been severely inundated starting a new job, having significant health insurance barriers, preparing to testify as a victim of XXXX XXXX  in an upcoming trial and working with the XXXX rights group in my state to file a state and federal complaint against a doctor who was abusive and discriminatory towards me. I have been receiving no less than FIVE phone calls per day from Discover - DAILY - about my bill that is not even one month late. I have outreached them 3 times this week alone to STOP calling me because I would be calling tonight XX/XX/21 at XXXX XXXX  EST. The continue to call me. I blocked their number and told them to notate on my account that I had to block their number because of their absolutely predatory and harassing behavior. This has been an enormous disruption of epic proportions to my work as well as my personal life. I JUST GRADUATED IN XXXX. I will absolutely be having these loans subsidized or refinanced or bought out by literally ANY other agency because this is not the first time that Discover has done this to me. EVERY time I have a late payment - which happens for absolutely legitimate reasons - they harass me AND the co-signer this way. This is so far beyond unacceptable and I have reached out to legal counsel about this matter. I don't have time to be calling them and filing complaints all XXXX day while I'm trying to work - this job is what will be paying their stupid loan bill so you would think that they would use an OUNCE of discretion in helping to preserve that. I have never been so outraged in my life. I have medical bills in collections for 3 separate agencies and even THEY don't call me more than 1-4 times PER MONTH! Furthermore, I was forced/threatened by the co-signer into signing these loans as a young adult so to have them repeatedly harassing me then harassing the co-signer who then ALSO harasses me is horribly triggering for my XXXX symptoms and is violating. This is the most disgusting debt collection behavior I have ever dealt with and I absolutely will not continue to tolerate it. We are still in a pandemic. I had to work 3 jobs and a full-time XXXX  just to pay a REDUCED loan rate with them while I tried to finish XXXX XXXX. They are absolutely abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
A company called XXXX XXXX XXXX notified XXXX that it was trying to collect a debt on behalf of XXXX XXXX XXXX, where I have never had an account. I disputed this through XXXX XXXX and XXXX  removed the item on XXXX XXXX, XXXX. Now they are trying to collect this fraudulent debt again. I received a letter, dated XX/XX/XXXX, from AFNI Collections to collect the same debt from XXXX XXXX XXXX. On AFNI 's website I indicated that the debt was not mine and to send verification of the debt. I never received any verification. Today a derogatory mark from AFNI showed up in XXXX XXXX for XXXX. 

This has had a direct impact on me. When I tried to sign up for XXXX XXXX XXXX internet earlier this year, XXXX XXXX XXXX said I could not until the fraudulent debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Account Name : ELAN XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$5100.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2400.00} Reason : Identity theft Please remove it from my credit report.

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 2021-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: NJ

Complaint narrative:
When I was presented with my loan estimate, I was told that Gateway would service my loan. In under a year, it has already been sold off. This would normally not be a huge issue. However, I am a property tax exempt XXXX Veteran. The amount of back and forth I had to go through with Gateway was absurd. Now, the new lender is now fighting me on the exception as well. This will now incorrectly raise my monthly payment by almost {$300.00} per month, until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 is incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Today, I tried to turn on the electricity in my new apartment as I am moving tomorrow. I was informed I needed to call Experian that there is an issue with my social security number. I called Experian, they would not tell me what the issue is only that it would take 3 to 5 business days and they their database was wrong. They refused to escalate the issue. I explained that I have passed a credit check for credit cards, for the new apartment and I am now being denied simply electricity? I was on hold for 36 minutes waiting for a supervisor only to be told that a supervisor isnt available. I would get a call back within 24 hours.

Experian service and customer care is deplorable. Now I get to be homeless until they decide what cases need escalation or what cases dont? That is indecent and inhuman. Perhaps they need additional training and treat each case like it was their own mother 's case. 

I am disgusted!!

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 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase I have been locked out of my account for over 3 months. They changed system to only send code to SMS text ( phone ) and it does not go through. They sent verification code to email and i put in that code. It still requires code to be sent to phone and it does not go through. Checked with XXXX XXXX XXXX and thousands of individuals have this issue - it is an issue on coinbase 's end. 

I have sent hundreds of emails to resolve the issue. Was assigned a case #, was told they are looking into it, and then no response. I am still locked out. There are no live chats, no humans to talk to. Anyone using this site is a captive - there is no way to communicate or get any resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Sent a debt validation letter via certified letter on XX/XX/XXXX requesting proof of debt, the original bill and proof they are authorized to collect on the debt. I received a response that they were unable to locate an account for me. I sent my second debt validation letter via certified mail on XX/XX/XXXX. I have never received a response from Credit Systems. This is currently still reporting as of XX/XX/XXXX. They replied to the credit bureau that the debt is verified but have yet to respond to my reasonable request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX incorrectly placed a medical claim in collections that is preventing me from obtaining lower rates and housing. My insurance provider, XXXX XXXX, labeled the claim as provider responsibility because they requested more informative on tge treatment due to the high billing statement. They did not receive a response from the provider, who then placed my account in collections. This has had a detrimental affect on my credit currently.

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 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A collection debt suit was filed against me in XXXX county court in the amount of $ XXXX was scheduled a trial by judge via XXXX  on XX/XX/XXXX. I. was present for this trial which was by teleconference, the plantiff and also a court clerk were present, but no judge was present.I had made available documents of proof to the court showing that I'm not liable for the debt in question. I had previously disputed it with XXXX, XXXX  and XXXXThey contacted the creditor in reference to the dispute, and it was deleted from my reports.During the teleconference trial the plantiff used scared tactic questioning, disregarded the documents I had made available and stated that XXXX  resolve of my dispute was not sufficient and invalid. He threatened me, by implying he would put a judgement on me if I did not own up to this invalid debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
People who had access to the banks phone system stole {$600.00} out of my account.I have lodged two disputed with them. The second one was completely ignored. Never got a response of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX I received a credit monitoring report indicating that I had a collection item added to my report. I immediately checked my report and noticed XXXX  had a collection account on my credit report from Security Credit Services. I immediately contacted this place as I pay all of my bills and have no clue as to who this business is. The said they have an account with my name from a place called XXXX XXXX  XXXX. I explained that I had never done business with a place called XXXX XXXX XXXX and have never heard of this place. I called XXXX XXXX  XXXX and asked who they were and what has been placed in my name. I was told an XXXX XXXX was purchased and that no payments had been made. I explained that I am not the originator/owner of this transaction and that the account is not mine. I let them know clearly this was fraud. I disputed the fraudulent item with XXXX. I then called the police to file a report. I filled out a Federal Trade Commission Identity Theft Report, I got an affidavit of forgery and a 605B form. I sent this information plus my state issued ID to CFPB and XXXX, after the XXXX  dispute ( I wanted to be thorough in my dispute ). XXXX  responded and has since removed the item. Soon after, I received actual mail from Security Credit Services which lets me know that XXXX  shared the information I submitted with them since that was my first time ever having correspondence from Security Credit Services. The letter demanded the same information I shared with XXXX  and CFPB ( ID, affidavit of forgery, ID theft report. They also sent a copy of the fraudulent contract with a debit card number and an email address that clearly are not mine. I am curious as to why they do not have an ID or address on file for the person that fraudulently used the last 4 of my SSN. They had a debit card on file ending in XXXX on file which made a payment on XX/XX/2020, and there after has failed charges. This is not my card. They also have an email address on file that is not mine. This company has received the necessary documents from XXXX, so I am taken back at the fact that they had the audacity to use the information from XXXX  to contact me knowing that this account is fraudulent. Again, this account is not mine. XXXX  has provided my documentation ( ID, Police Report, Affidavit of Forgery, FTC Identify theft report, 605B, Identity Theft letter and cover letter ) to Security Credit Services and XXXX  has since removed the item from my report. Security Credit Services has no need to contact me as they were given the information from XXXX  proving this account is fraud and ID theft. It is unclear as to why they would use the same information I gave to XXXX  in order to make contact me and request for the same documentation.

Company response to consumer: Closed with explanation