vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have written numerous complaints about the problems on my credit report on my " Capital One '' account for throughout the year, 2019. 

Both, Capital One and XXXX have responded e incorrectly in saying that a Charge-off and a Write-off is the same thing, but that is not the truth. According to the law the following is true about the difference. 

A charge-off and a write-off sound a lot alike, but they are two very different things. 
Charge-Off. 

The term charge-off equates to when a credit card account reaches 180 days past due. At that point, the credit card company is required to reclassify the account for accounting purposes. Specifically, from a performing asset to a non-performing asset for the bank. 

However, even though a credit card account has been reclassified as a charged off account, the credit card company still reserves the right to pursue collection of the outstanding balance.When a person hears the term charge-off, they often mistakenly think that theyre in the clear and that their debt will be forgiven. Not so. If only it were that easy. As mentioned above, a charge-off is simply a reclassification of the debt, and unfortunately you still owe the money even if the account has charged off. 

Credit card companies handle charged off accounts in a variety of ways : Sometimes the credit card company continues on with their own in-house collection efforts on the charged off account. 

Sometimes they outsource the charged off account to a collection agency, but the credit card company still retains ownership of the account.

Sometimes the credit card company sells the charged off account to a debt purchaser. Just like mortgages are bought and sold all the time, so are credit card accounts.

Write-Off A write-off on the other hand is when a creditor forgives a portion of the balance that is legitimately owed. For example, if you owe {$15000.00} and a creditor agrees to settle the account for {$0.00} on the dollar, they write off {$7500.00}.

Debt Collectors And Charge-Off When an account charges off, the credit card company will place a derogatory mark on your credit report as a way of penalizing you for not paying as agreed. This is standard procedure.

When attempting to collect an outstanding debt prior to the charge-off point ( i.e. 180 days ) debt collectors often make a big deal about the ramifications of having a  charge-off appear on your credit report. They often try to create the impression that youll be ruined financially if a charge-off shows up on your credit report. 

In summary, now you know that charge-off is merely a *reclassification* of the debt that signifies that an account is at least 180 days past due. According to the Law firm of XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a regional XXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. They " hired '' me and told me to start a 15-day trial period using two of my credit cards ( XXXX XXXX XXXX Travel Rewards and Citicard AA Advantage ) to make purchases. They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two- account information to my online banking in order to make the money transfers to my credit cards. I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XXXX and sent them to the  address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XXXX. I would like someone to help me what other steps should I take. Thanks in advance, XXXX XXXX cell : XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
FRANKLIN COLLECTIONS SERV ( 10 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA federal savings bank gave me a Letter of guarantee for a release of lien upon receipt of full payment. I paid in full and they never submitted the release of lien. DMV still has a recorded lien from USAA federal savings bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my personal information.

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 2019-09-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my personal information.

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 2019-09-12 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: U.S. BANCORP
State: NM

Complaint narrative:
On XX/XX/2019 I submitted a written request to US Bank asking them to investigate 6 separate fraudulent ACH withdrawals from my Property Management Trust Account. Someone was apparently using my trust account to pay their personal (? ) XXXX XXXX bills. I also contacted XXXX XXXX to see if by using the tracking numbers they could find out who did this but they said they could not do anything until US Bank 's fraud department contacted their fraud department and that between the two of them, they would figure it out. 

I had yet to hear from US Bank after hand-delivering my letter on XX/XX/XXXX so late last week I began leaving messages for them to call me back regarding a follow-up. Yesterday after my second call, I received a call back. I was told that no adjustment could be made because with ACH withdrawals I only have 24 hours to notify them of the charge regardless of it being fraud. This makes absolutely no sense whatsoever. 

There are reference numbers on my bank statements that SOMEONE from XXXX XXXX OR US Bank should be able to track to see who did this. MAYBE it was simply an error? But with no one willing to even check into the possibility, the only one that got hurt here is me since I have to put the money back into the trust account from my own pocket. 

Thank you for taking the time to read this - I hope to hear from someone soon. I will upload my letter to US Bank AND their response once I receive it.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a credit card from Chase Bank reporting negatively on my credit. It lists me as an authorized user. I never permitted anyone to put me on their credit card. I disputed it with the bureaus and chase but chase continue to report this account on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My personal information ( including my social security number, date of birth, and credit history which provides important answers to security questions for identification purposes ) was stolen in the Capital One data breach as a result of the fact that I formerly had a credit card with Capital One. In XX/XX/2019, Capital One received an e-mail link to the stolen data which had been uploaded by the hacker to the website XXXX in XX/XX/2019 ( see Exhibit_A.pdf attached ). Despite this, Capital One continues to misinform the public and, not least of all investors in SEC filings ( see Exhibit_B.pdf attached ), that Capital One does not belief that the stolen data was disseminated by the hacker. 

As a result of the foregoing, in XX/XX/2019, and immediately after the announcement of the data breach, two credit card applications were fraudulently filed electronically with Capital One in my name, and the imposter also ordered a drivers license in my name. When I contacted the Fraud Department at Capital One, they refused to even acknowledge that there was a data breach, and they refused to provide law enforcement with the IP address of the imposter or the physical address ( for mailing the credit cards to XXXX or the phone number provided by the imposter, thereby obstructing justice in the process. It was only through my own hard efforts that I was able to finally obtain this information by myself for providing to law enforcement.

As if this was not enough, Capital One has refused to this day to provide me with free credit monitoring and identity protection, despite the fact that Capital One has also misrepresented to investors in SEC filings ( Exhbit_B.pdf ) that it will do so and, despite that fact that I e-mailed the CEO, CFO, and General Counsel at Capital One regarding all of the aforementioned matters. Among other things, I have had to incur the expense of paying for XXXX XXXX Ulitmate Plus as a direct and proximate result of the above wrongful conduct by Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I have had a Frontier Mastercard from Barclays for several years. I have earned over XXXX points. 
I have been inactive with this card for almost 2 years due to serious eye problems that kept me from using the computer, reading clearly, or having screen time. 
After XXXX operations and XXXX doctors I am doing much better. I am now able to at least call people and read simple things with a magnifying glass. 
When I called the company for an update on my points I was told that they expired two days before I called. I called on Tuesday the XX/XX/XXXX. Seems odd. 
No amount of reasoning with the rep was successful. 
The card company has had zero correspondence with us. 
The total points that have been confiscated are XXXX, XXXX -- -about {$400.00} lost.

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 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACQ Holdings, LLC.
State: TX

Complaint narrative:
To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices XXXX XXXX XXXX XXXX, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party easy cash money online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TN

Complaint narrative:
I submitted complaint id XXXX XX/XX/2019 my personal loan was created in bad- faith as to the terms. 
The representatives were deceptive as included in the recorded call supplied from XX/XX/XXXX Correspondence was never sent to me as requested. 
My credit card spending privileges have been suspended despite making timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have never done business with this company and they repeatedly call my phone multiple times per day and sometimes call from different numbers. I have let them know they have the wrong number and to stop calling my phone but they consistently call every day. 

Some other numbers they use are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see attached. Please communicate in writing only do not call.

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 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I assumed the personal loan at 13.99 % interest would be amortized like a regular credit card loan. I have fixed 84 payments and i have made 23 payments so far. The initial loan amount was {$35000.00} and the monthly payments are {$660.00}. All 23 payments made so far on time. This totals {$15000.00} in total payments made over 2 years and my balance has only declined by {$6600.00}. More than half of my payment has been going to interest payment, like a mortgage. I feel this is wrong and was not explained

Company response to consumer: Closed with explanation