vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

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 2021-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

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 2021-03-14 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: CBC Companies, Inc.
State: NY

Complaint narrative:
In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later midland sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. Midland denied this and continued to report as not payed. So I disputed with a second crediting agency. Now midland is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am a victim of fraud. While checking my credit report, I noticed a collection of {$7600.00} from 12 NETCREDIT by XXXX XXXX. The account was open on XX/XX/2019. I never applied or received any loans or credit cards from NETCREDIT. This is the first time I become aware of this change. Never received any statements, letters or any other form of notifications from NETCREDIT concerning this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I contacted this agency on XX/XX/2021 by the name of Summit Financial. They redirected me to another company on XXXX XXXX 2021 called XXXX XXXX, which states they are a lawyer and agent for the Federal government. This Company called Summit Financial is no longer operable. They closed down their business and are not in service. They are not allowed to operate and they have no way of contacting anyone. They had a recording stating they were going to arrest me if i did not pay the amount they are seeking. Neither company refused to give me details of either information including account information and amounts owed. They were very threatening in their tone and language. Summit Financial is reporting negative history on my credit report illegally without any information to provide. 

Summit Financial is one company// phone number : XXXX XXXX XXXX is another company// phone number : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-14 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: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I had gone into to a minute clinic to receive some treatment as I was experiencing some discomfort in XXXX. There was never any request for lab work nor was I disclosed any additional charges. Now they have reported collections in all three credit bureau an unpaid balance for l tests that I never agreed too nor knew was being billed for. They have taken advantage and when I have tried disputing have not gotten any resolution. I have also sent them a letter back on XX/XX/21 that they have yet to respond too as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
XXXX XXXX sued me and acquired a judgment against me in XXXX with out me knowing. At the end of XXXX I contacted Rent Recovery Solutions and paid that judgment. I contacted Rent Recovery Solutions as well as XXXX XXXX asking for them to file the satisfaction of judgment and they keep refusing to do so. Because of this I can not get approved to even rent an apartment or get a mortgage. I tried sending proof to the court and I was told that the debt collector or the original creditor are the ones that need to file the satisfaction of judgment with the court in order for the judgment to go away. They charged me some made up fees saying I owed somewhere along the lines of {$3900.00} initially and then claimed that I owed them {$2400.00}, when in reality the judgment was only granted for {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: TX

Complaint narrative:
Hello there this debt do not belong to XXXX XXXX and i request any type form ( ID .ETC ) & My signature and i request any contract that has my signature to Validate this Debt! if Such Forms not available i demand to remove this collection account Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion keeps sending me the same responses for the alleged accounts listed below. How can you possibly say that these alleged accounts have been verified when there are so many inaccuracies regarding these alleged accounts. Both XXXX and XXXX deleted these accounts due to the fact that they were unable to verify these accounts yet your company keeps telling me the opposite. First of all how can you possibly be able to verify these alleged accounts when from the looks of it you are clearly reporting DUPLICATE accounts. Remove these accounts immediately or I will take you to small claims court because you are clearly not protecting my rights as a consumer and you are not taking the steps to properly verify this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX  on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.

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 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
While I was closing on my house, my real estate agent asked me to wire the closing funds to Bank of America ( {$48000.00} ). She sent me the email with the bank name and accounting and routing number. My agent told me she didnt see the money. I called Bank of America to ask them, they told me they will the funds in a secured account. My bank XXXX XXXX XXXX XXXX advocated on my behalf and Bank of America returned approximately {$18000.00}. I am still trying to find out what happened to the rest of y money. Bank of America will not respond.

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 2021-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2021 this company SETF/WOFC contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$8800.00} that they will pursue other actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I XXXX XXXX XXXX have requested that FCO or " Fair Collections and Outsourcing '' validate the alleged debt in which they erroneously continue to publicly report. 

Performance is expected in accordance with the herewith attached Court Order, Case No. 2015 CA XXXX XXXX and the Law. 

since XXXX, FCO has been erroneously reporting to the american public and credit bureaus that XXXX XXXX XXXX has a debt owed to your company in the Disputed amount of {$24000.00}. 

FCO has willfully failed to perform by refusing to validate the purported debt I'm accordance with the herein referenced Court Order, Case No. XXXX CA XXXX XXXX and the Law. 

I, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have sent several request that FCO validate the alleged debt in which FCO erroneously continues to report to all three credit bureaus and the public thereby tarnishing my good name and credit standing. 

I am in receipt of registered and certified, return mail receipts which were addressed to " XXXX XXXX '' as CEO and accepted and signed by " XXXX XXXX '' and other authorized representative. 

FCO 'S willful refusal to validate said debt is a direct violation of the herewith attached court order Case No. XXXX CA XXXX XXXX 

Notice : all communications will be forwarded to the District Of Columbia 's Attorney General and the presiding judge, Superior Court Judge XXXX XXXX XXXX, SO ORDERED AND ADJUDGED on XX/XX/XXXX. 

As I understand the foregoing order to mean as follows : " FCO understands that this Judgment is enforceable by the Office of Consumer Protection of the Office of the Attorney General for the District of Columbia and agrees that any violations of this Judgment shall be considered an unlawful practice that violates the Consumer Protection Procedures Act subjecting FCO to the legal and equitable remedies provided therein. '' ( See Case No. XXXX CA XXXX XXXX ) Notice : NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS

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 2021-03-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a credit card with Chase for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with XXXX. 

We used to live in Arizona until XXXX of 2020. After we moved to California one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with Chase and my husband, XXXX XXXX, and I were considered " Private Clients '' of Chase. After this event our Private Banker at Chase did not respond to my phone calls. Later, we were told that a partner of Chase had problems with us. Eventually, we figured out that this it was XXXX XXXX  XXXX XXXX. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Upon checking my credit report, I noticed Chase listed erroneous, inaccurate items on it. On XX/XX/2021, I mailed Chase to dispute the items and requested proof ( a consumer contract ), under FACTA, that the alleged accounts belong to me to which Chase responded by stating it was unable to process my dispute because I did not give complete account numbers. Then, Chase responded to me, after initially stating it could not respond, by stating that the information is accurate, without sending me proof. I reminded. Chase that it has to send me proof under law. On XX/XX/2021 I mailed Chase Bank a second letter, this time with complete account numbers as it requested. Chase then mailed me another response stating the accounts are accurate, WITHOUT sending me proof that the accounts belong to me. In recent mail correspondence with Chase on XX/XX/2021, Chase stated that I did not provide enough information for them to conduct an investigation. The attached letters below show that I complied with their request to provide full account numbers in my 2nd round of letters sent to them. Chase is being negligent in its investigation and has illegally placed items on my credit file. Chase refuses to send me proof of the alleged debt after TWO requests. Not only has Chase, placed erroneous credit card information on my credit file, it also, according to XXXX, reported an inaccurate address on my file as well, ending in XXXX Attached are the letters I have sent to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX Harvard Collections Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. Harvard Collections agency reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. Harvard Collections Services has not notified me via mail or phone call for the debt in question. Harvard Collections Services has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX OF NY. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to XXXX XXXX XXXX on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

Two agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
On XX/XX/2021 this company XXXX XXXX contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against me.

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 2021-03-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had a credit card with XXXX for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with Gap. 

We used to live in XXXX  until XXXX of 2020. After we moved to XXXX  one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with XXXX and my husband, XXXX XXXX, and I were considered " Private Clients '' of XXXX. After this event our Private Banker at XXXX did not respond to my phone calls. Later, we were told that a partner of XXXX had problems with us. Eventually, we figured out that this it was Gap 's Synchrony bank. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.

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 2021-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 this company Credit Acceptance contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against me.

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