vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I did not consent to this account being opened ever! I learned about this account about 7 months ago, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was XXXX {$0.00} }. On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity on all the credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a written request of documents from the Capital one bank and XXXX  Credit bureau so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Capitol One and XXXX  it was on XX/XX/XXXX. Capital one and transferred me to recovery department, the representative ( the name was XXXX XXXX, promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account XXXX  told me my dispute was still in pending status. As of today I have no information from neither company. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. 

Account Information Creditor : Capital One Bank Account # XXXX Date Opened : XX/XX/XXXX My Information XXXX XXXX XXXX Mission XXXX XXXX # XXXX XXXX XXXX CA XXXX DOB : XX/XX/XXXX Social XXXX PH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC, XXXX I have informed this debt collector, Credit Collection SVCS, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that Credit Collection SVCS removes this invalidated and inaccurate alleged account immediately. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Being that you are the information furnisher I am also aware that it means you are subject to the regulations of the FCRA, and oftentimes creditors, have a tendency to say that they are required by law to report alleged accounts to a consumer report, which is incorrect and misleading. Legally, you do not have the right to furnish anything to my consumer report without my written instructions to do so. Also, no consumer report should include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A consumer report should also not include information solely about transactions or experiences between the consumer and the institution making the report. Please review the copy of the FCRA from the FDIC for your recollection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
We returned a stove and have a {$4300.00} credit balance. When we requested a refund we were told it would appear in our checking account in 5 business days. In 5 business days we received a letter stating that the refund would not appear because the name on our minimum payment of {$31.00} the month before doesnt match the name on the refund account. What does our minimum payment have to do with our refund? Shouldnt it be refunded to the account in the name of the credit card holder regardless? Are they just trying to keep our money. Feels like a scam. Please read the attached letter.

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION ASSOCIATES, LTD.
State: TX

Complaint narrative:
Company : Collections Associates, XXXX Original lender : XXXX XXXX XXXX keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a " Reduced Balance Opportunity '' dated XX/XX/XXXX from Convergent Outsourcing Inc. via regular mail. It referenced the following : Creditor XXXX, XXXX, Client Account # XXXX, Convergent Account # XXXX, Reduced balance Amount {$520.00}, Total amount owed {$1000.00}. " The account referenced above has been placed by XXXX with our office for collection. We have been authorized to accept payment of 50 % of the total amount owed, which is {$520.00}, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. If you are interested in taking advantae of this offer, call our office within 60 days of the date of this letter. Please note that this is not an offer to accept 50 % of your debt as payment in full, but an offer for XXXX, XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. First, it arrived almost 3 weeks after the date of the letter and via regular mail. Second, it provided no explanation of the claimed debt owed. Third, it did not notify me of my rights. On XX/XX/XXXX, I wrote a letter to them asking them to send me proof of the debt, including the original agreement with my signature, a complete detailed itemized statement showing all transactions made on the account and all correspondence related to the account and proof that I was properly notified of this debt with supporting documentation sent via certified mail. I asked that if they can not provide me with all that information, that they nullify it and notify all financial institutions and credit reporting agencies and remove all negative reporting in connection with it. On XX/XX/XXXX I received via regular mail a letter stating that they completed their investigation and the debt is valid and attached a copy of a partial monthly statement dated XX/XX/XXXX. None of the supporting documentation of proof of ownership was attached. In addition, at the same time they sent me the first notification, they notified the credit bureaus that the account they claim I owe was opened on XX/XX/XXXX, that the account status is Open. As a result of this, my credit scores dropped approximately 25 points. This was before I even received the first notice from them. I find these practices unacceptable and harmful and inappropriate and they don't seem legal to me. Anyone could have come up with a copy of a bill and try to scam me. I am not accepting ownership of this " account '' and I will dispute it and pursue legal action if they do not remove this negative reporting, stop harassing me and causing me financial harm ...

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 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: MN

Complaint narrative:
I received a letter from Unifin INC . Address : XXXX  XXXX  XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last four digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Pioneer credit was supposed to rehabilitate my loan last year in 2020. They instead tell me by phone to keep making payments. When I request information in writing they don't respond at all. I spoke today to XXXX and she said my file is in review. She said they don TV send letters. How is that legal?

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 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I processed payroll with what at the time I thought was a reputable company. I am a small business with legal entity as an LLC and wanted to pay my contractors through their service. One amount was for 3000, other for 2800. My contractors never got paid and square took the money out of my account and never sent me an email to confirm anything. 4 months later after too many calls and emails they still have never responded nor returned the money. Even after their 60day hold policy for unsuitable businesses as they say. We are legit company and have everything up to date. We have followed up via phone and email and nothing yet has been resolved. Customer service suggested to file fraud against my bank but they told my bank that I approved this charged so my bank closed the case. Please resolve my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bastion Consumer Funding I, LLC
State: TX

Complaint narrative:
Company : XXXX XXXX, XXXX XXXX lender : BASTION Funding Company keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am disputing and arguing the late payments that are being reported with this account on my credit report. I am really good at keeping track of my records and my credit has been perfect with the exception of these late payments that are falsely being reported. 

There is no way that I was 30 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. How can I have been late 5 times?

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 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: NC

Complaint narrative:
On XX/XX/21, I received a notice from First National Collection Bureau advising of an alleged credit card debt which was not validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: VA

Complaint narrative:
they keep taking my money when i pay extra on my principal and telling them on the money oder to apply to my principal only they taking my money and apply it like month payment i more in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company : Credit Collection Services Original Lender : XXXX XXXX XXXX XXXX collecting on behalf of progressive for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: FL

Complaint narrative:
fcra violations : ( XXXX ) XXXX wrong names and accounts not mine : XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I have no clue what the debt is for they will not tell me they are rude and not willing to help resolve the issue. They call 5x a day atleast at all hours and have taken to calling my parents who have nothing to do with whatever this is multiple times a day causing issues there.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have tried for two weeks to get into my Experian credit service account. i have reset my password on their request more than 15 times and each time they tell me that i have a new password yet when i try to use it i still can not access my account. i have called them multible times with long wait time with no results. today XX/XX/12 i talked to three agent each of them sent me another person after telling me they could not help me. after 45 minutes i was told the next person would be with me some time after 15 minute. at that point i gave up. 
can u help 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 2021-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX was helping me with my bankruptcy. Once we finished with the payments to the trustee. the mortgage bank told me i was behind over XXXX dollars. The bankruptcy is for me to start on a XXXX balance. The lawyer that is in communication with the bank said that the bank should of sent me info on that. which is not true he is in direct contact with them. Ive told him that the law firm has many lawyers and helpers that the during this process that it was done correctly. im asking to reopen my case to have it filed correctly since it is their negligence that im in this situation. The lawyers said that it is the banks fault when he is the one to talk to them on my behave. Thats the services i paid for and are not defaulting on me and they are not taking any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}. 

Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I received a letter from XXXX XXXX XXXX Address : PO box XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last XXXX digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
BAM Trading Partners , Inc. dba Binance.US has locked my account for a chargeback for over 10 days now. I have filed 3 different tickets with their system. In each ticket I described that I can not deposit, withdraw money or tokens, or perform trades on the exchange. They requested that I submit a video with my ID and bank statement information which I did. 
Ticket numbers : XXXX, XXXX, and XXXX After 5 days a customer service rep reached out on one of my tickets ( XXXX ) to tell me that I needed to bring the balance on the account positive after the chargeback. I replied " I know, but you haven't enabled deposits on my account so how am I supposed to do that? '' She " escalated '' my issue but I haven't heard anything since despite reaching out again this morning. 

There is no telephone number and I have attempted to reach out to parties that are employees etc. on XXXX, including the @ binanceUShelp to no avail. Nobody bothers to respond there. 

I currently have more than {$50000.00} tied up on this exchange and no way to secure my assets at all. This is the worst customer service I have ever experienced from a financial institution.

Company response to consumer: Closed with explanation