vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Cards Amount of {$54.00} Vendor : XXXX Date charged : XX/XX/21 I disputed the charge, which was on autopay, for monthly amount of {$54.00}, for internet service as I had cancelled service beginning on XX/XX/XXXX ( if I recall ). I called the customer care line XXXX  offers, spoke to a very friendly lady, and set up a disconnect request as I was moving out of state. I know the XXXX  does advance billing, meaning they bill you the month before the service you're being charged for. In this case, there was no advance billing needed or required for XXXX, so this charge in XXXX is invalid. I understand a lot of customer contracts can have varied terms, some of which are unconscionable in my view ( a termination or break fee = to monthly rate being one example ). I explained all of this to Citi, I told them I spoke via PHONE to customer service, and they denied this charge-back saying they did not receive a " valid proof of cancellation. '' I'm sorry, did they expect me to record my call with customer service? And send that to them how? And pretty sure it's illegal in CA anyhow to do that. So what valid proof do they want? Ridiculous and I should've been credited just out of being a longstanding customer always paying in full on time every month for years ...

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 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I would like to file a formal complaint against LVNV FUNDING LLC for failing to provide accurate legal debt validation within the allowed 30 day time frame under FCRA. In XX/XX/2021, I sent a debt validation letter via certified mail which was signed for by XXXX XXXX to LVNV FUNDING LLC. LVNV funding LLC sent back a nearly blank letter from a totally different company by the name of Resurgent Capital Services. On the front page of the letter, there was one address and on the second page of the letter there was another address the letter stated was mines. There was no break down off fees like requested, no signed documentation. LVNV did not provide any documents to prove I owe this debt or provide legal debt validation under FCRA rules and regulations however they continue to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I was living at XXXX XXXX XXXX in XXXX. I lived at the apartment complex for two years. The department manager filed an illegal claim against me due to racism, and for a compliant I filed a complaint with HUD against the maintenance man. 
Later XXXX XXXX file an illegal claim for rent and possession. I did not owe rent. I was not late, and the apartment manager told me that she was going to file this claim against me, and would not post my rental payment to my account. 
XXXX XXXX lawyer file an illegal claim for rent and possession. The court granted XXXX XXXX possession, but they got a XXXX money judgment. I was not served properly, and XXXX XXXX submitted a false affidavit that I waived my rights during the pandemic. 
I was checking my credit scores when I found that they use a company NATIONAL CREDIT SYSTEMS and put this on XXXX XXXX credit report. My credit scores went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Dear Sir/Madam : In XX/XX/XXXX we closed on our property at XXXX XXXX XXXX. 
During the closing we had paid approximately XXXX in closing cost and XXXX down payment on the property. Our credit score was > 700+ however we had received a very high interest rate ( see attached ) as well as a recommendation for XX/XX/XXXX mortgage. We had purchased through a mortgage broker. 
1. At the closing we did not realize that the XXXX was not added to the cost of the house instead of XXXX our first statement indicated XXXX. we called HSBC and was told a correction would be made several times as of today this was never rectified. 
2. During hurricane Sandy we requested to refinance, we were told we were not eligible and would be better qualified for a mortgage modification. 
XXXX. Due to severe damage to the roof of the house and the amount to be paid monthly they offered us during this process, to pay half which we did until the modification was completed. Please note from XX/XX/XXXX until present we were never late on our mortgage payments. 
XXXX. After the modification was completed XXXX was added back to the house payments. With a 4 % interest rate. 
XXXX. Several months after, our mortgage was sold to XXXX XXXX XXXX 
Over the pass 8 years we have paid our mortgage via XXXX XXXX, and in reviewing our payments which has increased over the years, we called XXXX XXXX on Friday. We were told we have another escrow shortage of $ XXXX, which will then increase our mortgage payments again. 
They suggested we refinance. Then they told us we have a XXXX mortgage, but over the years we are now at 32 years. We have been living in this house since XXXX. We thought we had roughly 15 years left to pay off the mortgage. 
We would like some form of assistance in reviewing both HSBC prior mortgage and this current mortgage. 
Please advise. 
Respectfully, XXXX XXXX + XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
There is a debt collection listed on my Trans Union credit reporting from a company named XXXX XXXX company with an original creditor named XXXX XXXX. This debt does not belong to me. This debt has never been verified by me. I have no knowlege of this account until reviewing credit report. I submitted an online dispute XX/XX/XXXX and recieved a response immediately XX/XX/XXXX stating that it is accurate. Transunion did not take proper steps to fully investigate. As I was reading the report I noticed inaccuracies listed. There is a past due amount, there is an open date of XX/XX/XXXX but states a last payment was in XX/XX/XXXX, and the status is showing OPEN. These innacuracies are not in compliance with the FCRA. Also collection agencies are suppose to notify me before adding a debt to my credit report and I was never notified by phone or letter of this debt.

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I called citi by phone and requested to pay off my account which it was {$7200.00} Day later I called my bank and citi and citi balance was XXXX Now they charged me interest claiming that tge interest is from the balance I had carry before the payoff Which it doesnt make any sense Other than citi make money off of XXXX tge customer They were charging me interests when I was making payment No they charge interest when I paid off the account It doesnt matter make a payment or pay off customer can not get free of citi XXXX full

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 2021-07-20 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Dates : XX/XX/2020 Amount : {$510.00} I disputed twice with credit bureaus and they are still reporting false report. I called for them to verified these items. There was no proof that these items where verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Please refer to complaint XXXXwhere i was charged {$15.00} for an allegedly bounced check from XXXX XXXX  wherein fact TD bank misentered the check amount and charged me {$15.00} fee mistakenly. Today i spoke with XXXX XXXX, XXXX XXXX and XXXX at TD bank to refund me the {$15.00} for their banking error and they did not and provided no explanation. Now I would like to be refunded {$15.00} from TD bank and receive {$15.00} for my time and inconvenience. The check from XXXX was for {$50.00} and td bank mistakenly entered it as {$59.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
CACH , LLC XXXX XXXXXXXX XXXX  XXXX, SC XXXX failed to verify the debt prior to reporting the debt to CRA 's. Disputed account information continues remains on CRA 's consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Mortgage Inc.
State: MD

Complaint narrative:
On XXXX XXXX at XXXX XXXX was paid to Essex Mortgage whose located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The money was withdrawn on XXXX XXXX by Essex mortgage. we spoke to XXXX who is representative of Essex in XXXX Fl and she stated the money was deposited but it was withdrawn after being deposited which confused her. Even after submitting proof from XXXX XXXX XXXX Essex Mortgage still claims we owe that money, but can't explain why no one can find the {$8200.00} that was paid. Our mortgage is {$2100.00} on XX/XX/XXXX they took out XXXX which is an extra {$450.00} that was taken out i spoke with XXXX on XX/XX/2021 in regards as to why the extra was taken out she could not give me a reason, she asked did I want the money sent back to me or have it go towards my next mortgage I told her put it towards my next mortgage which means instead of {$2100.00} being taken out they would only have to take {$1600.00} since they already had XXXX extra I spoke to XXXX in customer service in regards to receiving a confirmation email on the transaction I have not received anything. They are taking out extra money putting our account in the negative and refusing to reimburse the money or find where the {$8200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: LA

Complaint narrative:
I called eqifax serval times about the high credit and balance on my report for sandtandier consumer i told them,, the high credit is lower than the balance and that is a FCRA Violation!! And it is to be removed at once they say they investigate it and it was correct its not correct because thats no possible!! I need this removed off my credit because its a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, sent a check to my niece for {$200.00}. Checked was intercepted and blatantly modified to read {$2000.00} with an " or '' name added to the Pay to Order of line. Wording also changed from XXXX XXXX to XXXX XXXX. US Bank posted this check to my account on XXXX in the {$2000.00} amount without verifying changes made. I saw the activity on XXXX and reported to Fraud Dept. Instructed to complete paperwork at XXXX XXXX. Did so on XX/XX/XXXX. Branch manager told me the $ $ $ would be " temporarily returned '' to my account. Paperwork was not sent to the US Bank Fraud Dept by branch. XXXX Manager gave me his number. I have left multiple messages for him to return my calls for further information to be given regarding the Police Report #. He has not returned any of my calls. Today, XX/XX/XXXX, I have learned none of the paperwork was submitted and was required to submit again with the return of my money more than 2 weeks from now pending approval of what should have been sent on XX/XX/XXXX. New account setup XX/XX/XXXX. No checks yet received. My son was sent a signature form for the new account. When he tried to sign and return it, he received an error message. I have alerted the branch to this problem. Unresponsive.

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX ( Saturday XXXX I was alerted via an XXXX XXXX that someone attempted to open a checking account with JP Morgan Chase. On XXXX, I was able to communicate with JP Morgan and discovered that on XXXX a checking account was successfully opened. The account has since been closed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Skopos Financial, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
Nothing but non-stop issues from XX/XX/XXXX for my XXXX XXXX XXXX loan through KMF. This all started with the dealership forcing the extended warranty and GAP insurance on the contract against my explicit request to the sales rep, her manager, and the finance manager. 

The refund was submitted incorrectly in XX/XX/XXXX by the dealership, which resulted in being applied to monthly payments. This was apparently against KMF 's policy, but went undetected for 7 months. The dealership also sent an erroneous payment, which was also submitted incorrectly and resulted in multiple months showing {$0.00} due. This was corrected in XX/XX/XXXX, but I was penalized for it despite the issue being completely out of my control. KMF treated me as a delinquent customer and requested the full amount due, which was paid promptly. They then ruined my 100 % payment history by reporting delinquent to bureaus for the months of XXXX, XXXX, and XXXX. 

They then assessed the interest completely wrong, hundreds of dollars over by completely ignoring the refund payment and assessing daily as if I never made any payments for the months in question. I have attached my statements, which clearly show {$0.00} for those months so how could I possibly be considered late? 

I should not be penalized for mistakes between the dealership and KMF as I had zero control over how any of it was handled. I have filed disputes with all 3 credit bureaus and KMF has lied to each of them saying that the information is accurate. Contacting KMF I only get the run-around or flat out being told the person couldn't help me at all. These issues have been neglected for over a month.

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 2021-07-20 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have attempted multiple times to dispute the validity of the entry on my credit report with the credit bureaus and now with the creditor directly. Credit collection services has received disputes directly from me on XX/XX/XXXX & XX/XX/XXXX respectively requesting verification as well as method of validation. The status remains open although I have never held an account with this entity. They have sent proof of a automated bill from XXXX in which they have no verifiable legal right to receive any payment. Under FCRA U.S Code 15 Section 1681i ( a ) ( 5 ) ( A ) ( I ) I demand, as my right as a consumer that this entry be deleted. Attached you will find supporting documents of communication.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I noticed a sudden massive drop in my 800+ FICO scores. Upon checking, I discovered that a negative comment had been logged by a collection agency in XXXX. ( Eastern Account System of XXXX XXXX XXXX  ) I called the agency. They were very unprofessional and uncooperative when I asked for the reason behind their claim. I asked for copies of any evidence they claimed they had. To date, I have received nothing. 
I disputed the claim with the credit bureaus but they tell me that I have to obtain any corroborating evidence from the non-communicative agency. 
According to what I see on my credit report, this pertains to a non-payment to XXXX XXXX  XXXX XXXX in XXXX of XXXX. While we did live in XXXX, we moved to XXXX  in XX/XX/XXXX and have no knowledge of any debts. You can tell from my credit history that I have been paying my bills on time for over 50 years!!! 
This collection agency never contacted me before filing negative comments on my credit history. I have no idea who they are nor what they want, nor why ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation