vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chexsystems continues to report fraudulent activity on my consumer report. There are 4 inquiries containing a set of last four Social Security Numbers which are not mine. Please see attachment for proof of this as I will not be listing mine or anyone else 's sensitive information in this public arena. They are listed here and on page 5 of the consumer file maintained at Chexsystems under the subsection " INQUIRIES VIEWED BY OTHERS : '' Inquirer : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, KS XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, DEXXXX Phone : Telephone Number Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) I have also notified Chexsystems of the following inaccurate personal information reporting on my file. Chexsystems still has not removed the inaccurate, and in some cases, fraudulent material within my file. I am listing them in a separate attachment we will call exhibit 1.

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 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
{$430.00} balance i have paid this bill way over a year ago collection company that have it is AFNI Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Original creditor XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Tried to get assistance from capital one Have 2 credit cards with them and I need help They have ignored my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NV

Complaint narrative:
On XX/XX/2020 I filed a report with my local police department stating that I have been a victim of Identity theft and that my credit report reflects I owe {$7600.00} to Procollect, a collection agency collecting on behalf of XXXX XXXX XXXX, which I believe is in XXXX XXXX, TX. I have been working with the company Cyberscout which is assisting me with fraudulent accounts appearing on my credit report. I contacted Procollect to inform them that this account is the result of identity theft and I was told to email Mr. XXXX at XXXX. In the meantime, I received a letter dated XX/XX/2020 at my XXXX  XXXX address ( when I called Procollect the agent wanted my address ) from Procollect attempting to collect. On XXXX XXXX my Cyberscout representative, XXXX sent Procollect an email sating I have been a victim of identity theft and included a copy of my drivers license, XXXX XXXX XXXX police report, an FTC document that contains multiple fraudulent accounts. A week and a half later I received another letter from Procollect, dated XXXX XXXX, stating that their client contends that this is a true and valid debt. Included was a photocopy of a temporary permit and on the permit is an image of what appears to be an XXXX XXXX  man ( Im XXXX  ). I relayed this information to my XXXX  representative, but XXXX, a senior fraud specialist, is now assisting me and advised I that I file a complaint with the Consumer Financial Protection Bureau. I have been dealing with Identity theft for about a year now and all of these fraudulent accounts are being opened in Texas. With that said, I have police 2 police reports, letters from this and other collection accounts, documents that show I live in XXXX XXXX, NV. This is the only collection on my credit report currently, and hopefully no more surface.

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 2021-02-13 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: VA

Complaint narrative:
I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.

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 2021-02-13 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: CFS Holdings, Inc
State: PA

Complaint narrative:
When I tried to contact the company, they stated that they no longer have the debt and they couldnt verify it. They stated they have no paper work on the alleged debt. I called and wrote multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: GA

Complaint narrative:
In XX/XX/2021, I sent Transunion a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also send a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you have already indicated Account information disputed by consumer, meets FCRA requirements. How were you able to verify, when the collection agency has not even been able to validate the debt. You allowed them to close the account, when it SHOULD BE REMOVED/DELETED FROM MY REPORT COMPLETELY. 

I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies.

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Several months ago Capital One sent me a letter saying they were closing my account because I had not used it in 24 months. I owe no money - I always pay my cards off each month. I asked if I could go use it and keep the account and they said no. I got the card for travel and have not traveled in a while. Now I keep getting statements from them ( somehow, they owe me {$0.00} ). I called to completely delete my account and erase all my personal and financial information with the company. I spoke to XXXX, ID XXXX associated with their customer service number of XXXX. The phone connection was horrible ( I was using a land line so it was not me ) and I could not understand much of what she said, but the gist is that I can " change my preferences '', but can not delete my personal information. I do not, and do not wish to have an account with them. I do not want them to retain information about me, because I do not have an account with them. I want them to delete my account fully and delete any personal or financial information about me that they have. Why can't they do that? I can only tell you the last 4 digits of my account ( XXXX ) because I cut up and threw away my card months ago, and these statements I keep getting have only the last 4 digits. It strikes me as very wrong that this company can keep personal and financial information about me when I have no association with them. It is not right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a Simply Checking and Statement Savings account at Fulton Bank end of XX/XX/2020. 
At that time, there was a {$200.00} bonus offer is for a new personal Checking account with direct deposits. 
The Statement Savings account also had a bonus of {$120.00} with a {$1000.00} deposit. 

After a wait of more than an hour, I had spoken to XXXX from XXXX County bank on XXXX. He had confirmed repeatedly that my accounts were registered for the promotions. Only after that confirmation, I had transferred funds into the account. I had asked the web reps several times to review the call records. 

I met all the requirements in XX/XX/2020, but never received a bonus on either account. 

Banks like these should not be allowed to operate with their fraudulent practices.

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 2021-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/2021, I sent JEFFERSON CAPITAL SYST a debt validation letter requesting to have an unknown debt validated. Tracking # XXXX which shows the debt validation letter was delivered and signed for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed JEFFERSON closed the account instead of removing it. This is a violation of Fair Debt Collection Practices Act because Debt collectors are prohibited from : Giving false credit information about the debtor to anyone, including a credit bureau. 

You are providing XXXX, XXXX  and XXXX  with false credit information that this negative account is valid and it is not. I am now able to seek punitive damages from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 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: VA

Complaint narrative:
I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.

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 2021-02-13 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: VA

Complaint narrative:
I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received without requesting it or participating to any Government program a US-Bank Relia Card.

Despite many tentative to contact the Service at the indicated phone number, none ever answer the phone, but the computerized voice message lead to a never ending hold. 

I did not apply for this and want my record deleted from the system as this is a fraudulent use of my name.

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 2021-02-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and Experian and XXXX  have failed to delete the mentioned items.

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 2021-02-14 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: Comerica
State: DE

Complaint narrative:
I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the Direct Express ( Comerica bank ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper 590s an will never let them go above that amount al least to 600 so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XX/XX/XXXX after getting a pre-approved mortgage from XXXX for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my XXXX accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX XXXX, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Receivable Performance is reporting on my credit report along with XXXX for the same debt. XXXX was paid. I called and asked them to remove it from m credit report because it shouldnt have been on there in the first place but they refuse to remove it. There were multiple attempts to resolve this with the company but they refuse to do anything about the situation.

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 2021-02-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX veteran living on XXXX XXXX. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI XXXX XXXX XXXX ACCOUNT NAME - ACCOUNT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
CACH LLC over the past 10 years continues to send harassing letters after I send them legal Cease and Desist responses. I have also called and verbally asked them to stop and and all communications. It is such an old account that I had to ask them what it was? They do not even know what the debt was as it has passed down to several other agencies, companies and debt collectors over the past 10+ years. 100 % of my income is non collectible by law, I am XXXX  XXXX and on XXXX. But, in additon, the statute of limitations has run way out and I have made them aware of this. Each time they come back with the same account just under another 'new ' collection agency name, which I have kept record of. CACH LLC, XXXX XXXX, LVNV Funding, Resurgent Capital and XXXX. I am sending them another hand written letter back today with their letter enclosed. I am willing to prosecute them for harassment if this continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: MD

Complaint narrative:
I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and XXXX  and Equifax have failed to delete the mentioned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: U.S. BANCORP
State: CT

Complaint narrative:
I was supposed to get rewards of XXXX under a special offer for XXXX XXXX XXXX. But I received only XXXX points upon fulfillment of offer conditions. Spoke to a rep a week ago, was told it would be fixed, but nothing happened. The bank rep told others were affected with the same issue. They asked me to mail the offer rather than searching what was presented to me on XXXX.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 non-monetary relief