vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Disputes were submitted to XXXX  on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named LVNV FUNDING. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from XXXX  for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly XXXX  did not even make any mention of the Dispute Item regarding the fact that the account with LVNV was Settled for {$480.00}. It appears that LVNV and XXXX  completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that XXXX  will remove LVNV COLLECTIONS item from my credit report. XXXX  and XXXX  removed LVNV collections from those credit reports several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
Submitted an investigation with credit bureau and XXXX both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.

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 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I XXXX XXXX never entered into a contract or agreement with I.C. System based on the alleged debt that they sent me on XX/XX/2021 for a positive balance of {$62.00}. According to the Fair Debt Collection Practice Act, Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent is direct violation of 15 USC 1692c ( a ) ( 1 ). In Addition, Pursuant to 15 USC 1692b ( 2 ) which states you may not state that I a consumer owes any debt.

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX  and XXXX  reports. They have now forced this fraudulent account onto my Equifax report. I have notified Equifax on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
wrote letter for VALIDATION not VERIFICATION no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
XXXX charged my husbands checking account after being told he passed. They charged his account 3 times and charged me charge back fees for this. Next they never informed me that the insurance company canceled the policy instead sent emails to my dead husbands email account now they are charging me XXXX dollars for 30 days of no insurance. Finally I am trying to assume the loan and they refuse to work with my attorney or I Or give me call back to work with us to assume the loan. They told my attorney that I assume with will take 9-12 months or surrender my house 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 2021-07-26 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: FL

Complaint narrative:
Fraud report started with XXXX, AFNI INC, XXXX  XX/XX/2021and Police report for the {$990.00} on XX/XX/2021. I found that the wrong name and address was used to create the debt which was not aquired by me. This is the second time XXXX has done this with a different collections company. Using just a social sercurity number to give credit is just not smart. All the other info they used was incorrect, yet XXXX  continues to attach this and other charges to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: VA

Complaint narrative:
THE ONLY CHECK I RECEIVED IN XXXX CAME VIA USPS. SOMEONE CALLED AND LEFT A VOICEMAIL THAT DID NOT SAY I HAD TO CALL BACK TO CONFIRM I HAD RECEIVED THE CHECK OR YOU WOULD STOP PAYMENT ON THE CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR!!!! THE LETTER I GOT ALSO DID NOT SAY I HAD TO CALL AND CONFIRM RECEIPT SO THE STOP PAYMENT WAS ILLEGAL AND COST ME AN ADDITIONAL {$15.00}!!!!! WHOEVER CLAIMS THEY SENT A SECOND CHECK IS A BOLD FACED LIAR!!!! NO SECOND CHECK WAS SENT!!!! ALL I GOT WAS A RECEIPT FOR THE CHECK SENT IN A FED EX ENVELOPE AND DELIVERED TO MY FRONT DOOR!!!! THAT'S A LOT OF WORK FOR A USELESS PIECE OF PAPER!!!! BUT AGAIN, NO ONE CALLED TO CONFIRM I RECEIVED A CHECK THAT I HADN'T AND NO ONE MADE ME CONFIRM I HAD RECEIVED THE SECOND CHECK THAT I HADN'T!!!! DID YOU STOP PAYMENT ON THAT ONE AS WELL BEFORE YOU SUPPOSEDLY SENT A THIRD CHECK THAT YOU DID NOT SEND???? ALL I GOT IN XXXX WAS ANOTHER RECEIPT FOR A NON-EXISTENT CHECK DELIVERED IN A XXXX XXXX ENVELOPE TO MY FRONT DOOR!!!! AND AGAIN NO ONE CALLED TO MAKE SURE I RECEIVED THE NON-EXISTENT CHECK!!!! ONLY ONE CHECK WAS SENT AND YOU ILLEGALLY STOPPED PAYMENT ON IT BECAUSE OF SOME STUPID POLICY YOU APPARENTLY MADE UP AFTER THE FACT!!!!! YOU STOLE MY MONEY TWICE AND I WANT ALL OF IT - {$50.00} - RETURNED IMMEDIATELY!!!!! THIS IS 100 % ILLEGAL AND COMPLETELY INCOMPETENT!!!!! I ALSO NEED THE NAME OF THE STUPID PERSON SENDING THE LETTERS WITH WRONG INFORMATION AND LIES!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and one and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: U.S. BANCORP
State: CA

Complaint narrative:
Hello, This complaint is about US Bank and their XXXX credit card. I've had this credit card with them for a very long time, longer than 15 years. To my recollection, I've never experienced fraud and never disputed any transactions on this account or any other accounts with US Bank. On XX/XX/XXXX, when I received my statement, I noticed that I had several transactions that were not authorized by me. I hardly ever use this card. I only use it for purchases in XXXX  or to make a one time purchase every couple of years, so US Bank would not close my card, as it happened to me before. 
After discovering unauthorized transactions, I immediately locked my card online to prevent further fraud from occurring. I took a day or two to look for my card and double-check with family members if they had seen it or used it. Even though it is not a common practice, I wanted to ensure the charges were not done by anyone I know. 
I realized that I lost my card when traveling to XXXX XXXX and coming back through XXXX on XX/XX/XXXX1. I immediately reported to US Bank every single unauthorized transaction ( which were 5 totaling over {$300.00} ) via their online dispute management system. 
Now, 60 days later, I still have not received a single confirmation that my disputes were received, I did not receive any credit back. I had to make payment out of my own money not to end up paying finance charges. 
I also logged in to the account this morning and noticed that US Bank did not even care to close out my compromised credit card and neither send me a replacement XXXX. 
I would like to report this serious violation of Consumer Financial rights.

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I contacted Bull City in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX and XXXX  reports. They have now forced this fraudulent account onto my XXXX  report. I have notified XXXX  on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX and TransUnion onXXXX XXXXXXXX XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-26 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: NC

Complaint narrative:
I didnt know that the credit card company had put the account in collections until it showed up on my credit report. I later received a letter from Midland collections agency about the debt that they took over from XXXX XXXX XXXX  of XXXX. In the debt letter it stated that the debt was from XXXX XXXX and the only option it gave was to pay the debt. The information on the account details were inaccurate because the XXXX XXXXXXXX account has been closed for over 5 years. In the letter the charge off date was XX/XX/2020. Midland credit should not have been able to start collections on the account because the account is barred by the statute of limitations for North Carolina. Midland credit also did not acknowledge in any of the letters I received from them that I could dispute the debt. I have disputed this collections account since it was put on my credit report and it has not been removed. I asked for verification of the debt and have yet to receive it. Midland credit also increased the balance owed to XXXX which caused my credit score to drop even more because of this unlawful collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this complaint to the CFPB because I have had a lot of issues with the XXXX Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

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 2021-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
I have tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?

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 2021-07-26 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: GA

Complaint narrative:
This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.

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 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/2021, I received a letter from Debt Recovery Solutions , LLC regarding a debt they say I owe to them in the amount of {$880.00}. On XX/XX/2021, a letter of validation was sent to Debt Recovery Systems LLC giving the company 30 days to respond. The letter was received by their office on XX/XX/2021. On XX/XX/2021, I received a letter from DRS along with a bill from the hospital they say is the original debtor reflective of my personal information along with a description of what I was seen for. On XX/XX/2021, I sent another letter for debt validation ; requesting a response within 15 days of the date of said letter. the company was in receipt of said letter on XX/XX/2021. To date, no response has been received from DRS regarding validation of a debt they say I owe to them. Not only has the company not responded within a timely fashion but, they have also violated my rights under HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In late XX/XX/2021, my wife and I started the process of looking for a mortgage to purchase our first home. We settled on Bank of America ( BOA ), despite our lawyer advising against it due to some bad prior experiences. However, BOA provided the lowest rate and closing cost estimate. 

Long story short, our initial mortgage officer ( NMLS # XXXX ) made various mistakes such as quoting me a different interest rate then what was actually provided. The individual was also not aware of what the processing department ( i.e., underwriters ) was doing because I had to inform the officer when the appraisal will happen and when it was done ( information my realtor provided ). Moreover, when an error occurred, the officer kept quiet and avoided responding to my emails, messages, voicemails. After all the incompetence, the officer 's manager ( NMLS # XXXX ) had to step in and take over our file. 

The situation only got worse because the manager told me I had to fire my attorney. After a couple of hours of confusion and panic, the manager told me to ignore the request. Apparently, someone at BOA thought my attorney was the bank 's attorney and did not see the name on an approved list. I also learned that it is typical of BOA to leave things to the last minute mainly because the processing department controls the show. The individual processing our file did not get to it until very last minute. My attorney and the bank 's attorney did not get the final documents until after XXXX the day before the close. There is more to the story, but I will end my complaint here. Avoid BOA for your mortgage!

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