vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
My complaint is based on a single issue, Bank of America collected on a debt they had already written off for tax purposes. 

The submission process forced me to pick the " best answer '' and that was that the debt was written off in bankruptcy and not owed. That's not correct, but the submission process for forces and answer and it was the best match. 

I filed a complaint before with all the details ( XXXX ). The bank would not reply to me on that complaint. So I filed a second complaint ( XXXX ) regarding their unwillingness to respond. BofA did respond to that complaint and indicated the representative handling the first compliant was removed from her position and that my correspondence was sent to an old postal address that was not included as my contact information for the compliant ( but they had my phone and email correct ). But based on the second complaint it did finally get the details from the first complaint. It outlined in detail why the bank was allowed to collect on a secured loan that went through bankruptcy. Of course they are - that wasn't the point of the complaint. The assertion, again, is that BofA collected on a loan they had written off for a tax loss. 

The reason for my assertion- as was stated in the first complaint, was that the first BofA representative I spoke with spent quite a bit of time looking for my loan which was not displaying based on account information. After careful research using my SSN, she very clearly - and without any confusion- stated that she had found the record and that it had been written off for tax purposes and that " it could not be collected on '' and that she just needed to send the request to have the lien released. 

The bank later cancelled the lien release and stated that they were going to collect the unpaid balance. This process began in early XX/XX/XXXX. They did not provide a payoff until XX/XX/XXXX. It took them almost exactly three full months to provide a payoff amount. That is ridiculous amount of time to provide a payoff amount. 

To repeat - the assertion is that BofA collected illegally on a debt that had already been written off. That is the only assertion - collection of a debt written off for tax purposes- as was clearly explained to me BY THEIR REPRESENTATIVE.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I called discover last week XXXX XXXX XXXX I have stressed to DISCOVER to stop reporting my private information and DISCOVER said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, XXXX and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
I am appalled, frustrated and shocked that a company I have never done business with nor had a desire for any type of loan would have placed this information on my credit. 
I have repeatedly told them in year XXXX to XXXX ; I was in a XXXX, came out of a XXXX XXXXXXXX and XXXX ( I have medical records to prove it ) and never would have requested loans from anyone. 

It is obvious someone has set up a fraud account or this company has in error attached this information to my social security number. 

There is a note on all 3 credit bureaus that states credit freeze due to someone has been using my name and SSI in fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, Kohls Capital One ( XXXX ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a natural person, I am a living human being. I have rights 15 USC 1681 Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
In our contract it states that we have the option to convert our ARM rate to a fixed rate. We had to send a letter ( which I did a letter and an email ) along with a {$300.00} check. It is clearly stated in our mortgage note that this was an option. Select Portfolio declined our conversion because they say they do not do that. I am pretty sure that a signed contract is a signed contract! They took our {$300.00} and applied part of it to the principal and then charged us a fee. I submitted the paperwork along with the check XX/XX/2022. They have no grounds for denying our conversion to a fixed rate. I will be glad to send you our mortgage note with all of the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
have identity theft and mail fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called XXXX last week XXXXXXXX XXXX XXXX  I have stressed to XXXX to stop reporting my private information and XXXX said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, TransUnion and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.

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 2022-08-21 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Without warning or notice, I had the Sheriff 's Office serving Warrant in Debt papers at my house -- EMBARRASSING -- and then looking at the paperwork to see that it was for a family member who DOES NOT live in my house, NEVER HAS. I contacted the Sheriff 's Office to notify them. I am still getting letters to MY home and nobody else lives here. I am the homeowner and ONLY RESIDENT. What kind of horrible company files a suit against someone without knowing the person they seek is actually THERE? 
I have REPEATEDLY returned mail to sender, marked the mailpiece as such, filed complaints with the USPS because I'm tired of getting mail sent to my address that isn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I noticed that 2 transactions/payments ( {$3000.00} and {$500.00} ) were made on XX/XX/2022 from my checking account # XXXX to a Bank of America credit card account ( acct # unknown ). 
These payments were not authorized by myself or spouse as we do not have a current BOA credit card or loan. I contacted BOA customer service/fraud dept about this problem on XX/XX/2022. After BOA researched the issue, The only information that they will provide is that these transactions were supposedly made via online bill pay from one of our devices. They denied our claim and said we would need to get a subpoena to disclose which device and who's BOA Credit Card Account was the recipient of our funds. 
They advised us we would need to take our devices to a third party security services company and we would need to provide evidence that the transactions were made without our authorization from our devices. In other words we had to prove that someone else had unauthorized access to the device and had originated the transaction from our device to an account that they refuse to disclose the information about. The lack of transparency about the parties in the transaction and deferring the responsibility to us to prove we did not originate the transaction is an unreasonable request.

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 2022-08-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX was contacted by a man who claimed to be a XXXX XXXX ( used name of a real XXXX XXXX ) and claimed I had a federal warrant for failure to appear for jury duty. Informed me {$3000.00} to court clerk would put a hold on warrant until I appeared in person. Was told I would get money back on appearance at XXXX 's office. Was told I needed a Gift card to access XXXX at XXXX office which would be refunded.. Unfortunately I cooperated. This involved XXXX of my credit cards and paypal. I shortly thereafter called the police and the XXXX 's office and realized there was no warrant and this was fraudulent. 
I contacted XXXX, my XXXX card, my XXXX XXXX card, and My Citi card. XXXX and XXXX XXXX immediately accepted the fraud complaint, cancelled these two cards and stopped the transactions. 
XXXX did nothing in spite of numerous emails. In fact the next day the man responsible sent a message through XXXX that I was to have paid him {$3000.00} TWICE. Citi took my contact information and assured me this would be shut down. They cancelled my card and issued a new one. This was done within one hour of the fraud. 
I have had six phone conversations with their fraud department, each time with them telling me there was no record of my calls but it would be taken care of. I have since received a letter that I was responsible for the charges. I made no progress with my SEVENTH call. I have since mailed two letters. I doubt there will be any response The XXXX Texas Police and the XXXX XXXX are aware of this but have no resources to chase this down. The woman at the XXXX 's office was very familiar with this already.

Two of my three involved cards shut this down immediately but Citi, even with my prompt reporting of the fraud did not HELP at all. In fact, each phone call I made was with me emphasizing the importance of this being shut down quickly with Citi reassuring me I would not be held responsible ... and then I have been told I am responsible. Hope fully this explains my situation

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 2022-08-21 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: TX

Complaint narrative:
I have two accounts that I keep contacting credit bureaus about. I just turned XXXX and they are still reporting a XXXX XXXXXXXX  account and XXXX XXXX account on my credit report. I have sent proof of my age and my identification but they keep responding with the following : VERIFIED AS ACCURATE. I was XXXX years old when the account was established so its no way its mines. They even have my date of birth reported as XXXX on my credit report and show the account opening/closing in XXXX when I was XXXX. Please help! This is not fair to 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 non-monetary relief
Consumer complaint received 2022-08-21 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: TX

Complaint narrative:
PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX the following inquiries were not authorized please delete ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TX

Complaint narrative:
PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX the following inquiries were not authorized please delete ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I spoke with consumer service with Citibank about them closing my account. Their reason was that I made three insufficient funds returns. I would like to say that I have never had this happen before so for a company to closed my account was stocking and they didnt even reach out to me regarding this account prior to closing. Citibank is the worse. I history with this credit card shows I have always pay ahead of time. They held my payment for over two weeks and just notified me XX/XX/2022 when I send the payment on XX/XX/2022 ( why ) yesterday about the non payment. This company is the poorest company ever and they dont need to be allowed to stay in business with this poor service.

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 2022-08-21 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Received letter from Midland Credit Mgmt dated XXXX XXXX stating " Choose the Option That Works for You. '' Do not know this card. Never applied. Totally XXXX since XX/XX/2018. 
XXXX XXXX Bank, XXXX account number on letter XXXX MCM account number XXXX Current balance {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, My Capital One Quick Silver issued on XX/XX/XXXX came with a {$200.00} signup bonus along with 1.5 % cashback on any purchases made. 
After using the card, I've accumulated {$330.00} Rewards Balance until around XXXX of this year, XXXX. 
At some point, they locked this account while my other credit card with them was unaffected- and told me to send copies of ID, utilities, social security card. This which I wasn't comfortable of sending especially online. 
On XX/XX/XXXX they closed my account without informing me that the bonus {$330.00} cashback will be forfeited or annulled if I won't send them those documents. 
I've spoken with a Supervisor on XX/XX/XXXX, name was XXXX, and he told me he'll try to convert that cashback into Miles - usable with my other credit card with the company, a XXXX XXXX, that was unaffected by this situation. Yet today, XX/XX/XXXX, I was informed that cash back is lost for good and nothing can be done about it. 
I was left with a sour note especially that I have used this company for such a long time and always had nothing but praises for them and recommended them to all of my friends, but this experience left me with a sour note. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation