vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank stole {$170.00} from me and lied saying they paid merchant. XXXX XXXX banker told me {$170.00} went to bank.

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 2021-06-21 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 — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Someone used my information to obtain a credit card account that I was not aware of. I did not apply for a XXXX XXXX card. Someone must have used my name to get it. I am from XXXX Hawaii and all these transactions are from different states. 
For example : XXXX XXXX XXXX IN. {$50.00} XXXX XXXX. XXXX, IN. {$32.00} XXXX XXXX, XXXX {$12.00} XXXX XXXX, PA. {$20.00} XXXX XXXX XXXX, PA {$10.00} XXXX XXXX XXXX, PA. {$23.00} XXXXXXXX XXXX IL. {$8.00} XXXX XXXX. {$20.00} XXXX XXXX. {$33.00} XXXX. XXXX, TX. {$28.00} This is just a few of them, there is more. This is not my credit card. 

Total owes from Midland Credit Management is {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
phoenix financial svcs paid debt collector XX/XX/21 XXXX still receiving phone calls spoke with spvr requests stop calling on XX/XX/21 as well received call XX/XX/21 for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint is still unresolved. When my loan closed with XXXX XXXX XXXX, they collected 3 months of hazard insurance {$100.00} x 3 = {$310.00} and 4 months of Property Taxes {$530.00} x 4 = {$2100.00}. which would be a total of {$2400.00}. When I received the Notice of Servicing Transfer letter from you it indicated my escrow balance was {$1900.00} therefore, I am owed the difference of what was collected vs what the amount in the escrow account was as of XXXX, amount due to me is {$510.00}. ( See attached ). 
At the time of closing {$3200.00} was held to pay the 1st half taxes. When PHH Mortgage paid the 1st, half taxes they used the funds in the impound account. The Settlement Statement that I previously provided is attached. I have been in contact with XXXX XXXX XXXX and they have indicated that sent all the funds that were held in the closing of my loan to PHH 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
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Account Name : WESTLAKE FINANCIAL SVC ( Original Creditor : WFS ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this 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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Evergreen Recovery Solutions, LLC
State: CA

Complaint narrative:
Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft in the amount of {$77.00} in the name of XXXX XXXX and XXXX XXXX. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-21 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: PA

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
3. XXXX XXXX XXXX XXXX 
XXXX Please remove it from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On the evening of XX/XX/2021, I reviewed my Bank of America XXXX XXXX Credit Card and noticed three fraudulent transactions on my card that I did not understand. All three transactions were titled ACH PAYMENT REFUND and dated XX/XX/2021 for {$1700.00}, {$2000.00} and {$1300.00}. In the details, the {$1700.00} was a full refund for my {$1700.00} credit card payment on 4/12/2021.the {$2000.00} was a partial refund for my {$2100.00} credit card payment on XXXX..finally, the {$1300.00} was a partial refund for my {$1400.00} credit card payment on XX/XX/2021. 

I make ACH Payments ( transfers ) from my Bank of America Interest Checking Account directly to my Bank of America XXXX XXXX Credit Card. 

All three refunds were NOT requested by me and the refunds did not show up in any of my Bank of America accounts. However, my XXXX card now shows that I owe an additional {$5000.00} of fraudulent transactions. My suspicion is that the money went into someone elses account fraudulently. 

On XX/XX/2021, I called BOA credit card customer service and after considerable confusion, I was referred to the Credit Card Fraud Investigation Department. The CSR created three requests to review the above ACH PAYMENT REFUND transactions. I was told that they needed 5-7 days to do the review and get back to me. I was also told that someone must have gotten into my accounts and requested partial refunds. The part that makes no sense is that with all the security, alerts and 2 phase authentication, somehow BOA authorized three refunds to be sent somewhere fraudulently. When I called back after 7 business days and again on XX/XX/2021, I talked to 10-15 different people with transfer upon transfer. I was told that it would take 2 credit card cycles to resolve, then I was told 45 days on average and also 30 days. It was apparent that no one had any idea how this would be resolved. To make matters worse, I asked for a problem number or incident number that are typically associated with a problem management system. Unfortunately, I was told that NONE exists. 

One CSR told me that an internal alert was created on XX/XX/2021, a day before the three transactions were posted. I DID NOT receive any alert nor did this alert stop the transactions. To make the situation worse, my son found an exact duplicate fraud issue on XXXX with the same fraud. Please see. 

https : XXXX? XXXX & XXXX & XXXX Finally, I had lunch with a friend a week ago and he told me that he has the same ACH PAYMENT REFUND ISSUE. 

So here I am waiting on Bank of America to resolve the situation. I dont have a great deal of confidence after spending 6 hours on the phone with many BOA representatives.

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 2021-06-21 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 I sent a letter to XXXX regarding inaccurate items on my credit report. To this day over 60 days later I have not received a response yet. I haven't received a response from Equifax in over a month after asking for additional information supporting their investigation I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by several data breaches including the XXXX and Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I paid the full balance of {$110.00} on my credit card and closed the account, as we never use the account and were trying to pay off our minimal debt in preparation to buy a home. Nothing against Capital One, we were just getting our small amount of debt paid off and had no use for credit cards. 
We had no idea the account was never closed and not until we were looking to buy a home last month, did we discover there was a 60 day late on our credit report. I KNEW it had to be a mistake since we no longer have a Capital One credit card. 
To my surprise and shock, apparently the account was never closed and Capital One had applied an annual fee in XXXX to the account ( 7 MONTHS after we paid off and closed the account ) and started to report the account delinquent in XXXX and XXXX. Still having ZERO knowledge of this, Capital One apparently viewed the account as inactive and REVERSED the annual fee/charges and closed the account ( thank you ). However, the 60 day late remained on my credit. How can I have a negative payment history on a charge that doesnt exist? 
I truly believed this would be a simple and understandable correction to my credit report, as I clearly did not neglect to pay my credit card there had been ZERO usage or activity after my XX/XX/XXXX pay off and an UN-activated card that was apparently sent, and exceptional payment history proves that. 
But the representative said we needed to write this letter to dispute the 60 day late on my credit report. Please understand this is devastating to us, since we have always taken our finances and credit seriously as you can see from my credit report ( absolutely ZERO lates on ANY of my accounts ). We were good Capital One Customers and made timely payments, and tried to do the right thing and pay the balance in full, and close the account. Please help correct this error on my credit report. This is severely affecting my credit and jeopardizing our ability to get our home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
Equifax and XXXX consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine. please review them Identity Theft XXXX Account Number : XXXX This is not mine. 

. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.

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 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$100.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting 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 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
I financed motorcycle and asked company to post my payments and any excess in the payment amount be posted as principle to the loan. This did not happen. Payments were posted as future interest instead. Over the course of 11 months, my payoff amounts increased and my statements show it. When I called last year, the representative told me they were posting them correctly. Then I would get a statement that said I had no payment due for several months. When I made a payment, they would let the entire payment go towards future interest. This was supposed to be an amortized loan ; however, it looks like a Rule of 78 type of loan. My payoff ( I am paying it off ) is essentially the same amount as the payoff on my very first statement even though my payoff amount decreased in the first few statements but then began to rise. Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: SC

Complaint narrative:
I have disputed an XXXX account on my report multiple times and Equifax claimed to verify/update the account. The claim was NOT TRUE. I sent a factual disputes to them showing the error on my reports and showing the inaccuracies between them and XXXX requesting them the delete the account multiply times because they failed to report the account accurately in prior requests THE DID NOT. I filed a complaint last month adding the screen shot of the inaccuracy showing on my report and THEY COPIED the HIGH BALANCE from the screen shot to attempt to solve the CFPB complaint but they did not investigate anything they just updated the XXXX  account show what the XXXX report high balance showed on the screenshot. They also reage the account stating the 1st date of delinquency was XX/XX/2021 which is inaccurate. They are still reporting inaccurate information and disregarding the request for the information to be deleted because they can't provide accurate information. They are violating the FCRA regulations and I will contact a lawyer next if they continue to disregard the law in reporting this inaccurate account instead of deleting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
Equifax continues to reinsert and report debts that were involved in identity theft. These debts were proved to not be mine. I have attached letters from the companies stating that I am not responsible for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
My husband had a credit card for XXXX XXXX and the account was discharged in a Bankruptcy. XXXXXXXX XXXX sold the account to Midland Credit and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted Midland Credit and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Received debit card with number to call for an account I never opened. Number provided for bank customer service busy for over an hour. Penned Credit Union.

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 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
they charged me three fees illegally. I told them if they didn't put the money back into my account I would pursue the matter into court. they refused to contact me. When they did finally contact me they knew it was a day I would be at work and could not talk with them.

Company response to consumer: Closed with explanation