vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I noticed my card kept being declined, despite me having money in the account. I contacted my bank ( XXXX ) to find out why and was told my account was frozen and they were doing a routing review and I cant access my funds during that time. I never received an email from them stating why my account was froze or how long their review would be. Customer support said they could not put me in contact with the department that does the reviews and hung up on me. When I email them for an explanation and a refund of the money in my account, I keep getting a generic response. They are stealing peoples money under the guise they are doing a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent a dispute letter via certified mail to the collection company ( Credit Control Corp ) on XX/XX/2021. Under the Fair Credit Reporting Act, the creditors have 30 days to respond to my request or remove from the credit bureaus. Credit Control Corp has not validated all inquired debts but reports the same accounts ( double reporting ) to all three credit bureaus XXXX, XXXX and XXXX for the months of XXXX, XXXX and XX/XX/2021. This has damage my credit score and worthiness, blocking the ability to apply for housing. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to Discover Bank : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I tried to open an account with capital one and its saids that I already have one open an ill have a lot of debts in my account that arent mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OH

Complaint narrative:
Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a XXXX negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the XXXX account. 
Response from XXXX : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the XXXX account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from American Coradius International LLC claiming to represent Creditor : XXXX XXXX XXXX Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I receive 2-6 calls daily. Often, they will call twice back to back from two different numbers. They have also called my husband without my permission and revealed to him that they were calling for me about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my transunion or XXXX reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
Received two separate letters claiming the homeowner insurance 's property address is different from the property address on record with the The Money Source ( a.k.a. TMS ). First letter was dated XX/XX/2021 and the Second letter was dated XX/XX/2021. Both letters seem to be the same form letters except the Policy Number is different between the two letters. First letter had the correct XXXX XXXX homeowner policy number. Second letter cites a Policy Number that I have no record of. I have revised my XXXX XXXX homeowner policy in accordance with the First letter and faxed over the revised XXXX XXXX decpage to TMS on XX/XX/2021 via Fax number XXXX. I am at a complete loss on how to respond to the Second letter with a Policy Number that does not match my current homeowner policy. What is TMS asking me to do with regard the Second letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
So I was told by the XXXX, Equifax, XXXX, and XXXX that they have verified a public record on my credit report. XXXX, XXXX, and Equifax all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
So I was told by the Experian, XXXX, XXXX, and XXXX that they have verified a public record on my credit report. Experian, XXXX, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as PACER. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.

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 2021-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm writing because I noticed XXXX XXXX  reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my TransUnion credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers XXXX  had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from XXXX XXXX  on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

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 2021-09-24 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: NJ

Complaint narrative:
Chase has not resolved my dispute with a merchant that owes me credit. Chase incorrectly disputed the wrong item with a different date, Dispute was lost as Visa had determined the documents referred to an item with a different date. Chase did not call me back nor bother to fix the problem. This issue can still be fixed as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Checkr, Inc
State: VA

Complaint narrative:
Writing this in regards to background done by checker for XXXX, I believe I had identity theft on there because I had to report it in 2019 and now every time I put in for a job or anything online that identity theft that pops up is hindering me from getting obtaining employment. Also my background as far as criminal history is concerned is 14 years old, it shouldnt be held against me. I also want to know why my report from checker came back as suspended and who would I need to contact to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We repaid our Mortgage through a refinancing on XX/XX/XXXX of this year. When we contacted our lender we were advised that they anticipate 30-60 days for refund of our escrow account. My understanding is that under Regulation X mortgage lenders have up to 20 business days for such refunds. The lenders response in light of this seems unreasonable to say the least.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Midstate collections several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to XXXXXXXX XXXXk : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and Midstate collections continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
BMW HAS BEEN MISMANAGING MY CONTRACTED CAR LOAN FROM XXXX XXXX XX/XX/XXXX. I HAVE MADE ALL CONTRACTED CAR LOAN PAYMENTS. BMW HAS REPORTED ME 30 DAYS + LATE FOR OVER 2 YEARS TO PRESENT ON PAYMENTS. MY RECENT/ CURRENT CAR PAYMENT WAS ON XXXX XXXX MADE TO BMW , BMW IS NOT SHOWING ANY PAYMENT MADE FOR ANY MONTHS OF THIS YEAR, AND LAST YEAR. MY BALANCE DOES NOT REFLECT A TRUE BALANCE. ( XXXX. ) MY MONTHLY PAYMENTS ARE XXXX DUE ON THE XXXX OF EACH MONTH, I HAVE ALWAYS PAID $ XXXX MY CONTRACTED PAYMENT ( XXXX ). XXXX HAS ADDED AND ADDING FEES, AND MORE FEES. TOWARD THE END OF THIS LOAN, ( XX/XX/XXXX ) BMW ROBOTS CALLS US, MY HUSBAND, AND I EVERY DAY STARTING AT XXXX TO XXXX XXXX, I HAVE CALLED, SENT REGISTERED MAIL, TO ALL THE COMPANY 'S, INCLUDING THE CEO IN XXXX, I HAVE MADE NUMEROUS OF COMPLAINTS TO THE CREDIT AGENCY.BMW HAS BEEN TARGETING MY/OUR CREDIT,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received an American Express credit card for XXXX XXXX, XXXX XXXX at my address. 

There has never been a person by that name who lives here and the business name is for a closed business in our same town. 

Am Ex said this is a renewal of a company paid credit card. The prior owner of our home worked for the now defunct business. 

I want to ensure no one is trying to use my family as fraudulent card holders. 


I would like to have this possible fraud entered into our files to ensure lenders are aware of this problem. 

Put notice on the 3 credit Bureaus noting that XXXX XXXX, XXXX XXXX, and XXXX XXXX do not have anything to do with our address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I saw a collection account on my credit report, I never received any form of communication from the company concerned. In XXXX I tried to use a 3rd party to get an apartment, I gave her all my information she tried applying to several apartment which never approved the application. The apartment that sent my details to the collection agency claims that they were under new management and knew nothing about it. The collection agency claim that my account got to them because my application fee came back as insufficient funds. I try to work things out but the people were rude. I was never informed of the insufficient funds and never lived in this apartment. 
The amount is {$330.00} I do not have such amount of money to pay, I have tried disputing with the credit union that the account was reported to after the collection agency after trying to talk to the collection agency. I have contacted the apartment who claimed the were under new management and couldnt help me.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. MoneyLion , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )

Company response to consumer: Closed with explanation