vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XX/XX/2020 I received an email saying I owed {$2100.00} on a Citi Costco Anywhere credit card ending in XXXX. I never applied for the card, never received the card and never made any charges on it. I found another email saying the card was approved in XX/XX/2020.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FMS Inc.
State: GA

Complaint narrative:
Hello, I opened a Visa Credit Card in one XXXX XXXX XXXX on XX/XX/XXXX with a temporary account number. The permanent account number and credit line should be sent to me with my card afterwards. 

However, I never received anything regarding this credit card until I received a call from a collection company ( FMS, INC ) recently. During the call, I found out that the mail address they had was wrong ( missing the XXXX XXXX " XXXX '' ). That's the reason why I have never received any documents from this credit card account ( issued by XXXX XXXX ), neither the physical visa card. I have copies of all receipts with wrong mail address, which have been resent to me by FMS. I will upload one month as example, but can provide all, if needed. 

As of XX/XX/XXXX, the total balance due is {$190.00} ( with initial balance {$38.00} in XX/XX/XXXX ). Additionally, my credit score has been impacted significantly. 

I have contacted FMS and XXXX XXXX to dispute the interests charged on this account and to get my financial score corrected on the credit report. Highly appreciated for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, XX/XX/XXXX-XXXX XXXXXXXX XXXX  add a hard inquiry on my credit report per XX/XX/XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: IN

Complaint narrative:
XXXX and Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but XXXX and Equifax keeps verifying this accounts. Also, when I called the company they responded that XXXX or Equifax did not send them all of the verifying evidence to confirm each account is unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Capital One credit card account was closed on XX/XX/2020. They owe a refund of {$1400.00}. I have written them and called, and they said the refund would be issued in two billing cycles. It has been 2 1/2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I, the Original Creditor, Natural Person and also Consumer XXXX XXXX, am filing this factual complaint against student loan corperation Great Lakes Educational Loan Services , inc. All information is true, and the debt collector great lake servives is in the clear violations of : U.S.C, FTC , FDCPA and HJR 192 laws. 
The following violations are cited and briefly explained. 
Detailed information is provided in the Affidavit of Truth that will be attach to a copy of this complaint. 

15 usc 1692 e ( 2 ) misrepresentation as they assume to potential consumers on there website that they provide adqiute help to those consumers assume servives through them. 
15 usc 1692 e ( a ), ( b ), ( 4 ), ( 10 ) deceptive practice to collect debts as great lake services don't make clear of there legal status as a third party cooperation/entity 15 usc 1692 ( a, e ) legal status 15 usc 1605 violation of finance charges violations of HRJ 192 : all debts are paid for they are also in violation of 15 USC 1681 no written consent 15 usc 1692 d harassment/oppression 15usc 1692 d ( 1 ) harmed my reputation with future potential creditors 15 usc 1692 ( f ) unfair practice to collect a debt 15 usc 1692 f ( a ) no present right of claim through enforceable security interest 15 usc 1692 g validation of debts 15usc1692 g ( 2 ) original debtor information not disclosed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.

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 2020-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I was sent an agreed judgement for biweekly payments of {$11.00} starting on XXXX the paperwork was not received till after the XXXX. When i contacted them to get a revised agreed judgement they insisted i sign the one that has a date that has already passed. I have since also received a letter saying i am now in default of said agreement. i contacted someone to explain that i will not sign something with a back date that shows i did not keep my end of the agreement and that i would need a revised agreed judgement with a future date and they advised that they will not do that. their practices are misleading and malicious. I told them i would start the payment in XXXX to allow them time to send me a revised agreed judgement with that date and that i would be happy to sign that. They will not do that. they are trying to make it appear that i am not willing to pay when i am but i will not sign a legal document showing i was supposed to make a payment on XXXX when the document was not received till after that time. i believe they intentionally sent it after the due date to they could continue to proceed against me legally and not honor the payment agreement that their website initially let me set up, auto deducted payment from my bank account and then automatically took off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, VOLVO-XXXX XXXX- 5 add a hard inquiry on my credit report per XXXX  . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX-RISK RETAIL- 5 add a hard inquiry on my credit report per XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-28 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: OH

Complaint narrative:
Transunion failed to investigate a fraudulent account that I notified them about. After submitting the dispute, Transunion " verified '' that it was accurate within a couple of days. I opened another dispute to tell them to investigate the issue fully as required by law, but the dispute has been opened with no resolution for over 60 days. This account was opened fraudulently with the original creditor and it's not possible to verify it as it wasn't opened by me or with any of my information ( other than SSN ). XXXX XXXX XXXX customer service has verified this as fraud, but I am still waiting to hear back from the Fraud Department. 

This complaint is not because of the fraud or inaccurate information, it is because Transunion failed to properly investigate an respond to my dispute.

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 2020-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
XX/XX/2020 XXXX XXXX Quicken loan mortgage paid XXXX for XX/XX/2020 mortgage. I viewed my mortgage payment history payment returned and amount and missed mortgage payment returned date XXXX ; amounts and dates money returned XXXX $ XXXX $ XXXX $ XXXX, XX/XX/2020 $ XXXX {$100.00}. There were no notes in my acct explaining what is listed above. No letters for returned money from my bank or Quicken loans. I called Quicken loans client specialist XX/XX/2020 XXXX : XXXX Mrs XXXX explained XXXX over payment. I told her no over pay money XXXX not mine. Mrs XXXX then said Supervisors might have questions for me to hold. Supervisor XXXX said XXXX was over my acct. But in phone then XXXX off phone will call me back. I told Mrs XXXX XXXX stolen money within Quicken loans bank scam in Quicken loans they tried to use my bank acct. Mrs XXXX should have fixed XXXX back in XX/XX/2020, but the XXXX was divided into my acct. The acct didn't show XX/XX/2020 mortgage due, the acct showed XX/XX/2020 due Mrs XXXX verified no payment due for XX/XX/2020. I told Mrs XXXX that's not so, the XXXX not mine. I paid XX/XX/2020 XXXX. For XX/XX/2020. And they need to fix the problem and stop using my act. I pleaded with Mrs XXXX please give my request to higher ups. Mrs XXXX called me 2 more times wanting training for her supervisor position with Quicken Loans. I told her every thing as a customer and she still tried to get me to do something I don't know anything about Quicken loans acct payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I recently checked my credit score reports and all include an old Citibank Card as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the XXXX to take a teaching job in XXXX. That same month, I apparently owed {$1.00} on my Citibank card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, Citibank kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for XXXX months in the XXXX, I repatriated to the XXXX this past XXXX. During my entire time overseas I did not receive any mail from the XXXX. 
The Citibank report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact Citibank using two different phone numbers provided by the credit agencies, but was unable to reach a human being.

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
today ( XX/XX/2020, we reported a scam to both Bank of America and XXXX We were scammed by a company. we made a payment with bank of America via XXXX to account ( XXXX XXXX XXXX ). We immediately noticed the seller is fraudulent. Contact with my bank and open an fraud investigation. with ref number XXXX. 

Bank of America told us it would take 10 to 45 days. 

Bank of America transfer the money to XXXX XXXX.We called the XXXX to report the fraud with but they are not taking our scam claim. Simply being part of the fraud and helping the fraudulent. in XXXX  we talked to XXXX and XXXX. 

we did all our part to report the scam and scammer but banks is acting slow because it is my fault. we can not stop the fraud and recover our money because both Bank of America and XXXX XXXX  are not taking promptly. In this process there is no way to stop scammers.

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 2020-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not received any investigation results from the accounts I disputed over 30 days ago.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I hate to be revisiting this issue but this a huge problem on your end that needs to be rendered immediately. You are reporting inaccurate information on my credit report. You are reporting late payments from XX/XX/2020 to XX/XX/2020. Not only did you not notify me of the late payment and the delinquency on my report which is required by LAW. You are also reporting inaccurate information which is a violation of 15 USC 1692 d ( 1 ) and a defamation of character. I have been making on time payments and this account needs to be updated to paid on time immediately or further action will have be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XXXX was asked on XX/XX/XXXX and XX/XX/XXXX to transfer an overpayment of {$1900.00} electronically to my XXXX XXXX XXXX  account. This is because the accidental overpayment caused a large over draft to my checking account. After first saying they could, they refused to electronically transfer and instead sent a check snail mail, causing the customer to suffer prolonged overdraft. Again, XXXX should immediately credit my checking electronically. Once processed and deposited electronically, they can cancel any check that may have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I reached out to Debt Recovery solutions on a derogatory collection on my credit. I was never sent any notice to pay, and I do not remember ever using the original creditor. I disputed with the XXXX XXXX and they say it is valid. I then offered DRS to pay in full the amount owed for a deletion of this from my credit report on the grounds that I never received notice, they declined. All I want to do is pay this in full now that Im aware and this be removed from my credit. The outstanding is {$73.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested a dispute with the 3 credit reporting companies, XXXX, XXXX, and transunion regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like 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 2020-12-28 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: TX

Complaint narrative:
I requested a dispute with the 3 credit reporting companies, XXXX, equifax, and XXXX regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: VA

Complaint narrative:
I have not received any investigation results from the accounts I disputed over 30 days ago.

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