vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED THIS ON MY REPORT. THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax XXXX XXXX continue to negatively report my status with XXXX XXXX Bank. I launched a dispute with XXXX XXXX Bank who agreed they were in the wrong in 2019. They corrected the information with XXXX, but Equifax XXXX XXXX are still reporting this negative information even though XXXX XXXX Bank has agreed the issue is null. I have been battling this negative reporting of XXXX XXXX Bank against me for almost 7 years- and I worked with them and PAID OFF the account and this is how I get treated!!! It's time to get this information off of my report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I contacted Jefferson Capital Systems concerning a collection on my credit report about a bill from XXXX, I was told the debt was in default in XXXX of XXXX, I asked for verification of the debt in writing and the operator stated that it was already sent out. I stated I had not received it and that I needed verification and a proof of date, he stated that he already told me when the debt started and refused to give me anything in writing. I filed a dispute with XXXX that afternoon and the next morning was told the debt was verified and it began in XXXX of XXXX. I contacted XXXX  and explained I had not done business with XXXX since XXXX of XXXX and that I wanted to know what verification they turned in because it would be fraudulent, I was told there was no formal verification just Jefferson stating that I owed the debt. I question how that was verification when anyone could state I owed a debt, I also explained Jefferson 's refusal to verify the debt to me. I was then advised to file a complaint CFPB and was told they would reopen the investigation and inquire about the validity of the information provided to them. Jefferson still  has not verified the debt to me or in my opinion formally to XXXX  only verbally stating that the dates were accurate, despite giving two different dates of XX/XX/XXXX to myself and XXXX of XXXX to XXXX  there by adding two more years to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CITIBANK, N.A.
State: NC

Complaint narrative:
URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

Citi Bank Credit Card - signed to get approved in order to obtain a Coscto Membership. 
Never activated the Citi Bank Credit Card - Costco charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through Online Citi Bank Chat since I am hearing impaired. The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to Citi Bank 's inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking  my score dropping? I was assured on XX/XX/XXXX that the issue from Citi Credit Cards would be reported to the credit companies [ XXXX, XXXX, and XXXX ]. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of May due to my new job. Can you please help me resolve 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 monetary relief
Consumer complaint received 2020-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX recently started sending me bills for a service that was cancelled 10 years ago. Last year I called them and they apologized and cancelled the bill and promised it will not happen again. This year on XX/XX/2020 once again they tried to charge me ( see attached ). Since my credit card number, a Capital One Visa was changed for security purposes they were not able to charge my card and informed me that if I do not pay them my services will NOT be renewed after XX/XX/2020 ( see attached. ) Fine. Since there was no service to begin with I did not respond to them expecting whatever service they claim they were going to provide will end and the issue will be resolved on its own. 
This is the interesting part : Visa and Capital One provided XXXX with my new visa card number without my knowledge. And XXXX used it and " renewed a non-existence service. '' When I called Capital One they said since XXXX said this was for a recurring service therefore XXXX has the right to the new card number. This is outrageous. How Visa and Capital One give themselves the liberty to be the judge and decide if XXXX is entitled to anything? Did XXXX provide them with any proof that I had agreed to anything? Was there a contract that was presented to Visa or Capital One? If so, I like to see a copy of it. Since Capital One is defending Visa and its own action did they check to see when this " recurring '' service  was started and how many times XXXX was ever paid? How did they determine that the service was not cancelled? What do they know about this false claim and why did they take XXXX 's side without even contacting me about the validity of the claim? The legal and correct and fair response from Visa and Capital One should have been : NOTHING. They should have stayed out of this completely as the credit card number was not valid. They should have referred XXXX to the XXXX 's own customer, me. Is this the new game big corporations and bankers are playing to defraud consumers? I had to spend hours on call waiting for Capital One to respond to my phone call and when I asked for a supervisor that never happened. They blamed it on COVID-19???? How come COVID only works against consumer and not the bank? How is Visa and / or Capital One have been given this power to provide my information to XXXX simply because XXXX said so? What is next? What other information do they share with big corporations without consumer 's knowledge? These are small amounts that cumulatively adds up to billions of dollars and when Capital One hides behind Visa and there is no way for an individual consumer to fight Visa or corporations like XXXX and Capital One they all get away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express lowered my credit limit from {$10000.00} to {$5500.00} without warning or reason XXXX day before my payment due date in the midst of a global pandemic. I have never made a late payment or missed a payment. I had no intention of requesting forbearance on upcoming payments. Currently my balance is very near the new limit imposed as I am using this card for emergency purchases to have cash on hand. AMEX 's decision to suddenly drop my credit limit by half has negatively affected my credit report. I have attempted to contact AMEX directly repeatedly and have been disconnected by their representatives every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern I recently requested that XXXX XXXX be taken off my reports cause it wasn't mine. I did some research and found out it to be from pioneer lending. The case with consumer reporting # XXXX. Now since it was dismissed without prejudice and I am enclosing said document to prove its no longer an issue and you can not do a double jeopardy because it was dismissed. Please remove from all XXXX credit reporting agencies or I will be forced to take it up in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I was checking my credit report and i noticed an error on my report. it looks like a Bill that i never had before. can you please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX CFPB USAA Response XXXX REPORTS FRAUDULENT FRAUD REPORTS. see attatched XX/XX/XXXX statement. The Fraud Claim I REPORTED XX/XX/XXXX XXXX INCLUDE ALL THE ADDITIONAL UNAUTHORIZED REPORTS USAA HAS FRAUDULENTLY REPORTED FOR TWO YEARS. ** see XXXX statement. The Unauthorized USAA CLAIMS BETWEEN XX/XX/XXXX XX/XX/XXXX {$180.00} BETWEEN XX/XX/XXXX - XX/XX/XXXX {$59.00} & XX/XX/XXXX {$230.00} ** TOTAL MY FRAUD REPORTED {$470.00}. USAA DUPLICATED MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I use Experian to monitor my credit. They have bc a score simulator which I have been following for months. Each time to take action I see my score change. I address the issues and fix and see my score increase. 

There is NO new debt or reason that my score fell 14 points from last week until now? Experian has NO explanation yet they continue charging me for a membership. I need to know why my credit fell 14 points when I have only been doing everything they told me to do to improve my credit. 

I have been on the phone with them for 2 hours, transferred 4 times and was disconnected 2 times by them. I have worked hard to improve my credit. Why when only cc debt has been paid to a zero balance does my score fall 14 points without explanation? Why are they doing Bbb this during a pandemic by the way, even more when I set my priorities on paying down debt during this pandemic am I seeing negative reflection on my score? I am Taking screenshots and this no explanation for lowering my score is causing harm to me and my family. Please address 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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: CT

Complaint narrative:
Account ending XXXX An ACH deposit from a settlement, XXXX, in the amount of {$10.00} was being held pending verification on XX/XX/XXXX. As requested by Netspend, I called in to verify, spoke with several reps, confirmed the amount and the sender.. Reps were explained the amount is due to me, a settlement payment, reps claimed transaction can not be processed because my name is not on it when other ACH deposits from XXXX  by XXXX XXXX have processed without my name with no issue. The amount, {$10.00}, was debited on XX/XX/XXXX from my account and credited back on XX/XX/XXXX. Needless to say, the item was rejected back.. A XXXX with Netspend Corporate office tried to infer the issue was resolved stating the amount was credited back, ignoring the fact the item was debited prior and the amount is due to me.. His reply was submitted in re to a XXXX  complaint filed, ( XXXX XXXX XXXX ) , which is unresolved. I believe the item was rejected in error and request Netspend credit the amount to resolve issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My complaint is Shellpoint Mortgage Servicing Co. I have been in the process of selling my house for the last XXXX and needed to get a updated payoff due to my previous mortgage company had been sold. After contacting my new lender and making three attempts to get a payoff I was told it was either sent via email or mailed - yet as of today XX/XX/XXXX i still have not received it and I feel like i have been unfairly mistreated. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2020 ) I contacted their customer service line spoke with representative and was told i could not receive a verbal payoff and that it can only be given by email, faxed or mail. I explained on several occasions the urgency, that i have a buyer, my offer was accepted and we're just waiting for the final payoff to close the deal and trying to avoid any additional fees, accrued interest and charges. On my last attempt i asked the representative to include a complaint to help speed up the process yet i still have not received the payoff nor a call back. 
As of today my buyer has backed out of the deal and now my house is back on the market. I don't know the reason why this process has taken so long nor the reason this is important to my lender as it is to me. I am trying to avoid any unnecessary steps such as foreclosure or short sale that may leave to me losing my home. I am asking for an investigation of this matter because i believe i was unfairly treated and that this company may be delaying this steps for myself or others to build up fees or other charges. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
In Bayviews response they state i ask for similar documents instead of askng for responses on letters i've sent see resolution below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
someone used my information to open up a bank account in set up a direct deposit using my social security I'm unaware of the bank account I only see the last 4 digits in not the entire account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
UPON CHECKING MY CREDIT REPORT, I NOTICED THERE IS AN COLLECTION FOR XXXX XXXX XXXX XXXX. THIS DOES NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC
State: OH

Complaint narrative:
I received a call from XXXX, they left a message. I called back and they stated that I owed over 1100 for a {$500.00} loan that was taken out in 2014 from the company Instaloan. I told them that I never had a loan through there and they insisted that I pay to avoid legal action taken against me or it affecting my credit. The asked if I had a XXXX account and was it always the same. I only stated that it was not the one that they provided. I called Instaloan and they stated that they had no record of me ever having a loan and the only way that I could do so if I lived in Georgia or Florida which I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to the BB & T at XXXX XXXX XXXX, XXXX, TX XXXX to make a wire transfer of {$5400.00} to an auto auction I bought a car from. The manager said that I wouldn't be able to make the wire transfer because I have 2 pending wire transfers on the account. I told him that I authorised those and that one was for my wife 's car and one was for a car title. I told him that I have more than enough money to proceed with this wire transfer but he said he will get an approval before doing so. A few minutes later, he called and asked if I was using my personal account to do a business, which I told him no. The cars I'm buying are personal cars for my wife and for myself. The car I use now is a rented car and same as my wife. After about 10 minutes, he called to tell me that my account is locked because of the XXXX transactions I have on my account. I told him that the reason is absurd because I made those XXXX transactions myself. The only XXXX transaction I received were 2 transactions from MY XXXX BALANCE which I offered to show him proof and that it was from my balance and from a friend I trust. He said the XXXX came from a bank and I told him no that it was from a friend who sent it to me today and I transferred to my balance. He insisted that the XXXX transactions are fraudulent and because of that my account would be locked while it is being reviewed. I got angry and told him I wanted a check with my money immediately, even if it meant closing my bank account as I have urgent need for my money. I need to pay for a car as I'm currently renting the car I have right now and the engine is already faulty. After going back and forth, he insisted that my account will remain locked for as long as they like until they review the transactions. This is unfair to me and I want my money back 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 2020-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have recently been laid OFF bcoz of the covid-19, so I was put on unemployment a month ago. Originally I tried to do direct deposit, so I called up unemployment and they told me It went on a card.. so I called up US BANK and waited for an hour and a half to talk to someone, they told me that unemployment had put my money on a card that was old and the card was expired, the representative told me they would send me out a new card and to destroy the old card, which I did.. they said it would take 5-7 business days, I said OK. So today is the 6th business day of waiting and still no card so I decided to call them back to check on the status of the card.. now I understand they are extremely busy, so I waited for 4hours on the phone to talk to someone and still no one and all I wanted to know was the status on where my new card is.. I tried so many times to talk to someone. I need that card to pay bills. The wait time was ridiculous. I have tried several times to call, waited over 4hours on XX/XX/2020 and still no response

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