vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
XXXX XX/XX/XXXX - AFNI, Inc notified me via mail of alleged debt of {$880.00}, owed to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX - I sent debt validation request letter to AFNI, Inc IAW Debt Collections Practices Act. I specifically asked for a detailed description, an itemized description, and copies of all documents showing my agreement to purchase any product/service from XXXX XXXX XXXX. The letter was sent REGISTERED MAIL, RETURN RECEIPT REQUESTED. 

XXXX XX/XX/XXXX - I received another letter from AFNI, Inc alleging a debt of {$880.00}, owed to XXXX XXXX XXXX. In this letter, AFNI refers to my recent IDENTITY THEFT and XXXX XXXX. I haven't had an IDENTITY THEFT, nor have I ever had an account with XXXX XXXX 

I am also sending a Cease & Desist letter to AFNI, Inc, via REGISTERED MAIL, RETURN RECEIPT REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I gave my credit card information to a Travel agent on XX/XX/2020 to purchase airline ticket for my mother but he used my credit card to purchase a different airline ticket. I filed two claims with my credit card company but the claims were denied and I was given the option to get a voucher for future use. I called Delta to get the voucher and I was told that I can not get a voucher because I do not have a ticket. The ticket purchased using my credit card was not mine. The travel agent fraudulently used my credit card. I filed a police report and the number is XXXX. The police officer advised me to call the credit card company BBVA and XXXX to give them the police report number and to try to resolve the issue with them. I called XXXX who told me that since the ticket was not purchased directly through them, I have to go to the Travel agent and the credit card company. I have been calling the Travel Agent but he is ignoring my calls and not responding to me, I filed a complaint with XXXX  and with FTC against the Travel Agency. I called BBVA and they told me that I can not dispute the charges further and that I can only dispute a transaction once. I have not pay the credit card charges yet and I am not planning to pay because I did not receive any services for the charges. I am filing this complaint with you hoping that you will help me resolve this matter with BBVA credit card company who should pursue my dispute rights and process my refund for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
XXXX XXXX XXXX were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a statement in XXXX from Sears Mastercard. I noticed that I had been charged late fees and interest charges on that statement. I always pay my statement seven days in advance of the due date and have never had a problem being charged late fees and interest charges. I immediately called customer service and asked them why they were charging me late fees and interest charges. Sears customer services stated they had received the payment late. It was determined in this conversation that the mail either had been held up or the payment had not been processed in a timely matter at the Sears Office. Customer Service said they would waive the charges. While talking with Customer Service, I pulled XXXX statement and noted that Sears had also charged a late fee and interest charge for that month. Customer Service stated that they had not received my payment in time for that month. Customer Service waived the late fee and interest charge for that month. I had to call back the next day to have those fees waived as Customer Service stated that could not waive fees for two consecutive months in one call. 

I received my XXXX Statement on XX/XX/2021 and it indicates that Sears is charging {$7.00} interest for purchases. I called Sears and talked with XXXX at XXXX XXXX on XX/XX/2021. I questioned why I was being charged an interest charge for purchases. I asked that this charge be waived and explained the circumstances with prior Customer Service calls. She stated that it is their policy that no additional waivers can take place after the two waivers for the prior months. This was not discussed with me by the prior Customer Services Representatives that did the initial waivers. 

I am disputing this charge because I have been faithful in making my payments on time for many years that I have held a Sears Credit Card. These late fees and interest charges were not due to my error but due to the lag in postal service, COVID pandemic and the lack of personnel to process payments issued to Sears Mastercard.

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 2021-02-02 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is JPMCB Card. The inquiry date is XXXX XXXX. The bureau reporting is XXXX. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase does not offer 1099 forms to report mandatory cryptocurrency transactions to the IRS. I'm not an accountant, so calculating gains and losses is almost impossible for me. Coinbase is forcing their customers to pay money to a third party to have the gains and losses calculated. I shouldn't have to pay for a company to calculate my gains and losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: BARCLAYS BANK DELAWARE
State: ND

Complaint narrative:
On XX/XX/2018 a settlement agreement for my Barclays account was made. The agreed settlement amount was {$910.00} and the payment needed to be made by XX/XX/2018. 

Payment was mailed ( by my sister ) check # XXXX, on XX/XX/2018 and check was cashed by Barclays. Account number was posted in the Memo as they had requested to ensure it was applied to the correct account. 

I disputed the charges and XXXX XXXX  XXXX  connected with Barclay 's and they refuse to acknowledge payment and this is still showing on my credit report as in collections owing the full amount.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I had applied for Modification for the following properties just after these loans were transferred from XXXX XXXX XXXX to Nationstar. 
I repeatedly sent modifications documents to Nationstar but to no avail. 

XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: PR

Complaint narrative:
Not sure where this charge comes from, I'm sure has to do with identity theft. I never signed any contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: ID

Complaint narrative:
There is an attempt to collect a debt that does not belong to me from Professional Debt Mediation Inc I have been sending multiple disputes about this debt being on my reports to XXXX and XXXX since XX/XX/XXXX. Constantly sending letters and no response from anyone. 

Today I got a notice dated XX/XX/XXXX from Professional Debt Mediation with a copy of a Move out settlement report with an address in XXXX XXXX, FL in which I have never resided and have been living in XXXX, ID since Mid XXXX so I don't see how I can have a lease agreement in Florida. 

The information that was sent does not even have a my signature or signed of my name. 

Would like to know how this debt was verified and if my full social and date of birth was given or any copies of my identification was provided. 

This is a completely false debt. Addressed it many times and not after 5 months and putting in a complaint is when they actually start the investigation. 

Also I do not even see XXXX XXXX XXXX XXXX in the state of Idaho.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Received call from XXXX XXXX XXXX Government ID XXXX. 
He stated that my identity has been used in Texas and opened several bank accounts that were used for drug money. Also a XXXX was rented in my name that was confiscated in a drug raid. Supposedly used by me. I have not been to Texas in years. I do not have an account at Chase bank, XXXX XXXX XXXX or any others that he named. He said that the FBI was investigating me. When I asked to speak to them he said he was providing the report. The number he called from is XXXX XXXX XXXX. Can you please help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XX/XX/22 @ XXXX called MRS associates to discuss collection notice on my account. I asked if payment were to be made if it would be removed from the credit report. I was told that they report to the credit bureaus every 30 days. I also advised I would need a letter stating that the debt had been cleared and that it would be removed from the credit report. I was told a " release of debt letter '' would be sent. 

The XXXX agent omitted the fact that the letter would not include the language I had requested and did not indicate that, as I was told later on, no " pay for delete '' would be possible. 

I believe that they were deceitful in their attempts to obtain payment and lied by omission. 

Further, XXXX confirmed this was sent to straight to collections. I was not given an opportunity to make good on my debt. I still have an account with XXXX for Internet services. No billing indicated I was delinquent and service was never cutoff. Further, they have record of our transfer service request with our new service address. 

In follow ups with XXXX XXXX, repeatedly told it would be removed from Credit and yet no follow ups.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PR

Complaint narrative:
I don't recognize this account, a phone call was made to communicated that this was somebody else 's account and nothing has been done.

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 2021-02-02 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: NJ

Complaint narrative:
I submitted a dispute over 45 days ago and I have not received any results or status of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Please provide with proper validation on this accounts and who owns it .cause ima XXXX it send all responses in writing thank you

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 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: KY

Complaint narrative:
I DO NOT HAVE A CONTRACT WITH SENTRY CREDIT NOR DO I HAVE ANY CONTRACTS WITH XXXX XXXX. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!

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 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On the date of XX/XX/2021 Santander consumer USA illegally processed an unauthorized ACH on a returned check, this caused my checking account to be severely over drafted impacting my living situation. Not only was this done without my authorization, this re-presentment of a hand written check that was almost dated a week ago and already returned for insufficient funds, was illegitimately processed a 2nd time causing an unnecessary financial hardship. Practices such as this seem not only unfair but deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Experian and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. XXXX thanks for your prompt response and action. Also I also have a fraud alert on my account. 

- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-02-02 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX. The bureau reporting is TransUnion. Thank you!

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 2021-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I have a loan with tChrysler Capital since 2017 Ive been trying to make payments on time then COVID-19 hit and I was having a problem to make a full payment and I pay last than {$680.00} on 2 payments I make less than my regular monthly payment 2 times because I didnt have the total amount of the monthly payment of {$680.00} Because COVID-19 I was having a hard time to making the payments and Chrysler capital report to my credit files that I miss payments but the reality was that I pay last than {$680.00} 2 times and Chrysler capital report it as a missing payment.. 

I called And I send it them a later asking them to take the negative report from my credit files but they refused to do and told me they will not help me .. 
My account is updated and I like it for Chrysler capital get the negative report out from my credit file and they are refusing to do it Im here to get help with Chrysler capital about getting them to get the negative report from my credit files soon as possible.. 
Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XX/XX/2020 company reported me late on my consumer file pursuant to 15 USC 1692e ( 2 ) ( A ) The false representation of ) the character, amount, or legal status of any debt ; or is a federal violation I contacted them multiples times regarding this matter As a consumer and the original creditor which i extend myself credit from my social security card which is my credit card pursuant to 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SLS Specialized Loan Serving is my mortgage service provider. 

I reached out to them back in XX/XX/XXXX to inform them I was directly effected by the Covid-19. 

They gave me a 6 month forbearance and then I asked for another extension and they gave an additional 3 months which brings my account due for payment XX/XX/XXXX I called to Make my XXXX payment and they mentioned the past balance plus my XXXX payment was due immediately and I explained we are senior citizens on a fixed income and couldnt afford to make that lump payment and asked if the past due balance could be moved to the end of our loan and we were ready to make our one month XX/XX/XXXX payment. 

They mentioned we would need to fill out documentation but to me it looked just like a traditional loan application and we were not told in the beginning that this would be a requirement to get the past amount moved to the end of the loan. 

I asked if we could have another extension that President Biden extended for all people who were effected by the Covid 19 and the rep mentioned they dont know anything about that and he just became President a few weeks ago. 

This is causing more stress on my husband and I we are elderly and we are trying to stay healthy and just want to pay our mortgage and have the balance that we owe put on the end. 

I feel like they arent operating under the Cares Act and need to follow the guidelines Thanks

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

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

Complaint narrative:
I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Transunion and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. Again thanks for your prompt response and action. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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