vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I opened a credit card account, my father later was diagnosed with stage XXXX XXXX. We not wealthy it happened so fast. I used the card I live on a fixed income. I stated this to XX/XX/XXXX XXXX. Midland Credit Management brought the debt. I was unaware my debt was sold. I opened my front door a man standing there holding these summons papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent the request 5 times requesting that the fraud alert statement and freeze on my account be removed along with my ID Change of address card a bill in my name my bank statement and this last time a photo of myself and they still have not removed the fraud alert from my report! I've tried calling as well and was told that i need to the same thing i have already done to have it removed!!! This is ridiculous that I've jumped through every hoop and they think that they dont have to do what i request for my credit report! Its my report if i dont want the statement there then it needs to be removed!

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 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
This is an attempt to collect a debt regarding a vehicle accident. I did not own the vehicle in question nor was I the driver of the vehicle. Afni Collections stated they were contracted with XXXX XXXX to pursue the claim. Upon contacting XXXX XXXX, they have no contract with AFNI Collections nor do they show any debt relating to my name, address, or Drivers License number. I contacted my personal vehicle insurance company of 12 years and was told that we do not have any claim with XXXXXX/XX/XXXX, now or in the past. XXXX XXXX suggested filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
i sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Today I received an alert from XX/XX/XXXXthat my Victoria 's Secret Comenity Store card dropped my credit limit for no reason. When I called Comenity, I was told by XXXX, XXXX and XXXX ( Supervisor ) that they received a notice from the credit bureau and they dropped my limited from {$400.00} to {$100.00}. I have been with them since 2016. Years of on time payments and no late payments. I had not used the card in almost a year. I have not received any notice from Comenity as to why the limit was decreased. I contacted XX/XX/XXXXand they told me that they advised me they do not report back to the credit card companies. Comenity advised me to write in a dispute to the credit bureau but I do not know what I am suppose to be disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
I identified that the company is calling the wrong number and that this number has been associated with me for over 40 years and they need to remove me from their system or list. They keep calling. I now want them charged legally for Harrassment. My number is unlisted. My number has been registered with the DO NOT CALL Florida and national registries.. They call before while Im still sleeping. I am not the person they are calling about. 

It has to stop and they should be prosecuted, in my opinion, for the Harrassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote a check out of my business account on XX/XX/XXXX for the amount of {$6400.00} dls to the United States Treasury, check # XXXX. This check was mailed as a prepayment for my taxes. I always check my statements, and I did see the check number and the amount being deducted from my account a few days later. 

In XX/XX/XXXX as I was preparing to do my XXXX taxes my CPA asked me for a copy of the check I sent as payment. At that point I went onlint to download the image of the check and realized the Payee had been altered and the check had been cashed by XXXX named " XXXX XX/XX/XXXXXXXX '' or something like that, is not very legible. 

I immediately reported the event to the bank, it was clear both the payee and even my signature had been altered. They opened a complain, I wrote an affidavit with the personal banker, gave copies of the check and I left. I get a letter dated XX/XX/XXXX saying my case was closed because of lack of affidavit, so I called on the bank on XX/XX/XXXX and they tell me they have in fact received the information and they are looking into it. 

Finally, after not hearing anything from the bank for almost a month since my original claim I go to the bank on XX/XX/XXXX and the personal banker calls the claim department just to let me know that my claim was denied because it had passed 35 days since the check and I should've check my statement. I made it clear I DID check my statment I just didn't see a copy of the image of the check and they proceeded to just deny my claim and walk away with this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a fraudulent credit card opened with my social security number. I tried to open a savings account at CHASE XXXX XXXX, California and the person who assisted me said I couldn't because someone else has an account already open with my ssn. I was contacted by CHASE executive office, on XX/XX/2020. I already provided them with my ssn card, passport and CA driver 's license. XXXX the case manager got in touch with the Fraud Department but just recently XX/XX/2020, said that my case is closed under her department. Now I'm waiting for a response from Chase Fraud Department from which I haven't received any type of notifications. Yet I do expect a letter or something that confirms that no one is using my identity and that the alleged credit card, as well as account is cancelled. Also, I couldn't file an identity theft report to the police as suggested by CHASE because they couldn't provide me with the thief 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NJ

Complaint narrative:
I have been a victim of identity theft my information was exposed in the equifax breach. 
I have fraudulent accounts reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Someone used my information to open an electric account. It was XXXX XXXX and account was sent to collections on XX/XX/2020 for {$610.00} collection company MRS BPO LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I reported identity fraud with the police, XXXX XXXX XXXX 's Office Case # XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank issued an incorrect late payment on our mortgage. XXXX of 2020 reflects a late payment however the payment was incorrectly allocated to the prior months principal. We switched from online payment to a mailed check. It was received early and applied to the earlier month. 

We have spoken with them multiple times since XX/XX/2020. With the last phone call on XX/XX/2020 in which they agreed that the error was on their behalf. We received a letter dated XX/XX/XXXX that said they were researching the issue. They gave us an email address " XXXX '' to email for updates and reference '' XXXX '' in the subject line. We have emailed this address 2 x. The 1st time was XX/XX/2020 and the 2nd time was XX/XX/2020. There has been no response. 

We are unable to get a mortgage now for another home we are trying to purchase and suffered extreme hardship and loss because of this incorrect reporting.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is a pending complaint on SPS. 
Today, Tuesday, XX/XX/2020, I received more abundance of mail from Select Portfolio Servicing. This is the first time I was informed that SPS alleged not receiving XX/XX/2020 payment. I have provided six months of my bank statements reflecting payments to SPS. However, the check for XXXX that was mailed XX/XX/2020, has yet to clear my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 at XXXX I purchased a Storage Shed online at XXXX for the amount of {$99.00} shipped to a new address due to I was moving to that address the landlord advised that I was not getting the home due to another family got the approval before me. on XX/XX/2020 at XXXX I send an email to the merchant as what there return policy explained they did not reply only with the shipped tracking number XXXX I wrote to them again and did not responded back to me. I started a Claim with my bank, Bank of America, banking is a rip off they don't do their investigations in time. anyways I did not responded to them on time they closed the claim on XXXX due to missing documents or a reply back. when I didn't received a notification on time. I was in the middle of a move when they closed it. when I noticed I called very patient and understood my fault. I send all documents in XX/XX/2020 paid {$31.00} for them to receive all documentation and they can close the claim fast. I called them on XX/XX/2020 at XXXX and they confirmed it was received and processed to the merchant to reply back. asked what is the timeframe. they advised 90- days since the claim was re-opened. not its been more than 90 days and they want me to wait other 45 days because they send requesting more information from the merchant on XX/XX/XXXX, XXXX how is it that legally is 90 days for a Bank claim department XXXX close a claim and then now I have to wait 45 days it is not fair since I did want I needed to do to get the claim processed. XXXX the supervisor is going in circles and won't help expedite this process and she is only saying that the procedures is 90 days but because they send the documents to the merchant on XX/XX/2020 I have to wait another 45 days. from my understanding under FDIC law indicates that the merchant has 45 days to reply within a 90 days frame. she said that is not true. and that their procedures are different. from what understand they have to follow federal laws including the FDIC.

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 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Someone opened an online account in my name. I have sent letters, called ( I can't answer security questions because I did not set up account ) I have a police report for this fraud, sent an identity theft letter x2 and get no response. They just send me bank statements. 
USSA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX I have never served in Military I did not open this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For 3 1/2 years I have been depositing the same check amount on the same date. Every time I deposit it they put a 10 day hold on it for NO Reason. The account it is coming from is my business partner, the account has 10 's of thousands of dollars, it has never bounced. They can not give me a reason. I have spent hours and hours on the phone and in their office to try to get fixed. They say they will get it fixed, but never do. On XX/XX/XXXX the deposit was made and on the XX/XX/XXXXthey send the funds were available, We paid some bills on XX/XX/XXXX including IRS taxes due. On XX/XX/XXXX the XXXX they sent us an email saying they were going to put a hold on the funds and our account was {$1800.00} in the negative, even though the funds were there on the XXXX. As of today the XXXX the funds are still not available. This has caused us numerous problems and headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: MD

Complaint narrative:
i sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file

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 2020-11-17 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: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft.

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 2020-11-17 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: NV

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-17 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: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-17 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: IN

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XX/XX/XXXX, XX/XX/XXXX or Equifax to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ;XX/XX/XXXX, XX/XX/XXXXand Equifax, must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My problem is with Experian. Experian wanted me to get a new credit card. With my experience with credit cards, I do not want to get credit cards anymore. Experian owes me {$7000.00} which I need this amount. I am paying monthly the amounts that I owe. Previously, the Federals told me that I did not have to pay XXXX. It was closed. Then, Experian has to pay me back {$7000.00}. Apparently, they added the money to one account. I am paying monthly. Why do they, without my permission, used my money to pay my account? I know what I have to do. I am paying monthly. I need the {$7000.00}. It is my money, not theirs. Today, they sent me a notification that they paid for the account. I have not told them to use my money. Would you check why they use my money without my permission? They did not send me a statement. Just said that they paid the account. I can not believe on this, because the balance is higher. Not sure if they were the ones or another person without permission.

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 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
A loan was taken on a vehicle and I have paid well over 100 % in fees ( apr and additional cost ) vs the price of the vehicle. I am in the military and it seems there is no protection from this predatory loaner

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