vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX XXXX want to state that I've been a victim of credit card fraud and identity theft. this all started on Thursday XX/XX/2020 i received a call from individuals acting has both social security and FBI agents. they had knowledge of my personal information and due to that they got a hold of my accounts. the calls lasted till Monday XX/XX/XXXX of 2020 and they took {$28000.00} of my credit accounts and from my saving accounts {$10000.00} this is from both my banks accounts. I bank with both bank of America and XXXX XXXX. I have made claims to both my banks. Also, I have contacted my local authority and had made police reports. i will be contacting both the social security services and the FBI.

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 2020-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit acceptance will not remove remarks from my credit reports which says settle for less which is affecting my credit reports

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 2020-12-29 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I purchased a trip to XXXX, XXXX through XXXX that was scheduled for XX/XX/20-XXXX/20. I purchased the trip on XXXX/XXXX/20. The trip cost a total of {$2000.00} and was paid for through a series of installments. However, about a couple of months before our trip was to take place, the COVID-19 Pandemic hit, resulting in a travel ban. Our travel agency automatically canceled our trip without refunding our previous payments and then subsequently shut down their business so there was no one available to contact. They said to contact our banks for refunds. I filed a dispute with Barclay since that was the credit card the trip was purchased on. However, my dispute for the {$1300.00} was denied because they stated I filed after the 60 day dispute period. I tried to appeal the decision but was denied again. The card I used was the Barclays Arrival World Mastercard, which in their Guide to Benefits states : " TRIP CANCELLATION/INTERRUPTION : In the event of the Insured Persons Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/ Trip Interruption Benefit Amount of {$1500.00}. Our payment will not exceed either : 1 ) the actual NonRefundable amount paid by the Insured Person for a Common Carrier passenger fare ( s ) ; or 2 ) {$1500.00}. The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from : XXXX ) death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person ; or 2 ) default of the Common Carrier resulting from Financial Insolvency.

Financial Insolvency means the inability of the entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations. NonRefundable means amount of money paid by or on behalf of the Insured Person for a Covered Trip which will be forfeited under the terms of the agreement made with the Common Carrier for unused travel arrangements and for which a travel agent or travel supplier will not provide any other form of compensation. '' My Common Carrier, XXXX.XXXX, shut down due to financial strain from COVID which is why I have not been able to get my money back from them. So therefore I should have been covered under the card 's insurance.

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 2020-12-29 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: NY

Complaint narrative:
Transunion continues to share my credit report without written permission from me and this is continually bringing down my score. 

Below are the dates that inquiries were made without my consent and from the credit source. I request all these inquires be removed and my credit report updated : 1. XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX CREDIT  PULLED ON XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CREDIT PULLED ON XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX CREDIT PULLED XX/XX/XXXX 4. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX XXXX CREDIT PULLED XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX CREDIT PULLED ON 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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The only letter i got from this company was from civil court. I sent the company a debt validation letter which this company has failed to reply so im seeking compensation for the damage that have been brought to my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
Dovenmuehle Mortgage has failed to pay my property taxes in the amount of {$5000.00} that were due on XXXX XXXX, 2020. They actually paid them on XX/XX/XXXX and then did a reversal of the payment on XXXX XXXX 2020. They are holding the entire funds in my escrow account and doing nothing to resolve the error. I have spoken to my local tax assessors office who informed me that Dovenmuehle has done the same thing with 8 or 9 other accounts that are now past due. 
I have contacted Dovenmuehle several times over the past month, they say they are investigating the error and will resolve it however nothing has been done and we are now approaching 30 days past due. 
I am worried that this is going to effect my credit rating or worse. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I am a XXXX XXXX XXXX veteran. One thing i'm clear about is making sure I pay my bills and take care of my responsibility. I started the process of purchasing a house in XXXX and was told not to do anything with my credit. I was notified via credit monitoring that a company named Diversified Adj Svc has put an collection on my credit report. I called the company about the collection and they said I owed a bill from when I stayed in a duplex in 2015. I assured the collection agency that it was not my debt and I didn't even live in that duplex in 2015. The company told me it was a verified debt. While this is going on, my loan for the purchase of my house fell through. I had to get an attorney because not only did I lose out on possibly building the home of my dreams, this has also made my credit worthiness plummet. I am writing to ask for help in getting this off my credit report until my attorney can file the necessary paperwork seeking damages. I have attached the proof that I did not live in the claimed residence in 2015 at all. It makes no sense that these companies can just put anything on your credit report in complete disregard to the damage it would do without doing the necessary homework.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified accounts from XXXX XXXX and XXXX  XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX  or XXXX  XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX  XXXX  XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX  XXXX  and XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity bank are harassing me for a debt I do not owe : I made a {$35.00} purchase with XXXX XXXX XXXX in XX/XX/XXXX however I did not receive my order, they were returned to XXXX XXXX for " insufficient address ''. 

After contacting the XXXX  and requesting account closure & a full account credit & for all communications to cease, my XXXX XXXX  account has been closed. However comenity have failed to credit my account for the {$35.00} and are now adding monthly late fees of approximately {$35.00} per month, and continue to call and harass me. 

I have filed a complaint with the CFPB ( ID No. XXXX XXXX to try have the account credited and the communication to cease. I have waited 18 days for a response and in the meantime I am being severely harassed. 

I am receiving calls from numerous phone numbers, I can not keep up with blocking each phone number, and these calls are also on Sunday mornings. 

Today, XX/XX/XXXX I received the following calls : XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX XXXX at XXXX XXXX  I also received a call from XXXX at XXXX XXXX  on Sunday XX/XX/XXXX. 

I am finding this extremely stressful, all in the name of kids clothing that I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX closed my account kept my acount frozen for 3 months after all proper identity given funds are revered and negative on my account which is about XXXX and will not release my funds when clearly on black and white they are at fault. need help 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 2020-12-29 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: Nicholas Financial Inc.
State: WI

Complaint narrative:
In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX  credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX  refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: I.C. System, Inc.
State: WI

Complaint narrative:
In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX  credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX  refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.

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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an XXXX XXXX XXXX. The hologram is not on the card and XXXX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my IPad. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I became aware of this collection account once I applied for a new mortgage due to the pending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.

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 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
please help me immediate ..my mom admit in hospital ... i am helpless..i am serious ... please help me immediately ... please immediately transfer fund .... otherwise today suside please open attachments respected sir please help me immediately.. please transfer fund account no XXXX state bank of XXXX account holder name XXXX XXXX XXXX swif code - XXXX TRANSFER FUND XXXX XXXX please open attachment file please help ..i am helpless ..plese transfer fund..plese understand my problam..plese feel my tears i am helpless..otherwise suside Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XXXX XXXX and XX/XX/2020 I have submitted disputes with the Experian credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. Experian refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.

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