vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from XXXX XXXX and it is XXXX XXXX XXXX  XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having covid this issue needs to be resolved I can not walk and uses oxygen and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: MD

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: OH

Complaint narrative:
I pulled my report and noticed unauthorized inquires on my Transunion report. I am stressed to the max and need these unauthorized and unverified inquires removed immediately. Ive contacted the creditors and they advised me to contact your office on this matter. 

1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020

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 2021-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Javitch, Block & Rathbone LLC
State: KY

Complaint narrative:
I have XXXX private student loans through XXXX XXXX XXXX XXXX  etc. My father co-signed but after he died in XXXX I was the only one on left on the loans and they came after me pretty hard. I defaulted. They got judgments on all four. They have garnished my wages. I paid one loan off and was working toward paying off one of the the very largest of the four. On XX/XX/XXXX I received a " Release From Garnishment '' from the Court that granted the garnishment ( submitted by the debt collector Javitch and Block ). The Release was for one case only. It was on the case that I owed the least amount on and ( most importantly ) NOT the case I was paying a garnishment on. The Release did not say why that case was being released from garnishment, nor did it name any terms or if there would eventually be areturn to garnishment. I called Javitch in XXXX of XXXX to find out what was going on. The person I spoke with said that he didn't know. That it was unusual for the company to release a garnishment and that they must have done it because my other 2 loans that were outstanding were so large they decided to write the smaller one off. A year passes and I am still paying on one of the larger loans. I get a notice of garnishment from the state treasurer ( I XXXX  for the XXXX ) that my wages will now be garnished on this old case that I thought had been released! I had not finished paying off the other loan yet. So, I called Javitch again. This time I talked to an attorney. He said the release that I received a year ago was to provide relief for loan holders during COVID. I told him that it didn't! I was being garnished the whole time! Over {$1000.00} per month. I kept my main employment but I lost work due to COVID. A lot of work and so did my husband. We are behind on all of our bills due to this loss in income. This attorney made some jokes about XXXX giving me relief, etc and said there was nothing anyone could do about it now! Really? Is that really true? Shouldn't they have to give me back the money I paid them during the time that I was not supposed to be paying? They still have a garnishment now! Can you 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 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: DE

Complaint narrative:
Found out through XXXX XXXX there was a credit card account for XXXX XXXX that I knew nothing about. They have complete wrong information. The address, zip code and ssn does not match my information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NIC, Inc.
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Nemo 's Collection on XX/XX/2021 and I have no recollection of doing any business with Nemo 's Collection. I am in the process of contacting Nemo 's Collection but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SinglePoint GI
State: GA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I received a call from the debt collector at my place of employment. This was after speaking with them several months earlier and letting them know to not contact me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was scammed on XX/XX/XXXX I reported to the Federal trade commission and followed the steps about calling my banks, I called capital one and they told me they were going to open a case and ask me for more information if needed I told them I did the charges myself but was being scammed, I received an email on XX/XX/XXXX saying they closed the case and it was not considered a fraud so I called them and the agent told me not to worry about the charges because the case was closed and it was considered a fraud, when I received my card on XX/XX/XXXX the charges where there even thought they had already removed the charges back on XX/XX/XXXX and told me not to worry, so I called them again on the XXXX and said that they couldn't do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested XXXX XXXX  XXXX XXXX benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from XXXX XXXX XXXX attempting to collect the debt. I contacted Capital One to inquire about the debt and was told my XXXX request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from Capital One denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in reference to complaint no. XXXX. 
In order to fully understand this current complaint please read the previous complaint referenced above. 
On XX/XX/2021 I received an email from XXXX XXXX, executive VIP of tXXXX XXXX XXXX  stating that their finance team received notification of disputed transaction from WellsFargo bank. WellsFargo has never contact me concerning any transactions from XXXX XXXX XXXX, as a fraudulent charge on my account. I did submit a fraudulent activity claim to WellsFargo, but I never included XXXX XXXX XXXX in my claim. Per my previous complaints to CFPB and my fraudulent activity claim to WellsFargo I stated that the charges to my account are from shopping outlets in XXXX and XXXX only, not XXXX XXXX XXXX In addition to all of this WellsFargo bank has made a deduction from my account in the amount of {$410.00} which caused my account to go in the negative - {$400.00}. WellsFargo 's posted transaction on my account states that a ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ). WellsFargo 's posted transaction to my account does not fully state in detail who is disputing the fraud charges/activity claim of which I did submit.

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 2021-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
I fell behind on my mortgage a few months ago due to XXXX reduced hours, and missing time from work during my illness. The mortgage company emailed me about the past due amount and said I could get help if I fell behind due to XXXX. I called and asked if I could get help and the answer was no. They were only concerned about their money. 21st mortgage has never tried to help me. They want to know all your business and are very rude and disrespectful when they speak. I've been living in this home for 9 years and only {$4000.00} has gone towards the actual mortgage. The interest is outrageous. Also, the roof was damaged during hurricane XXXX and I filed an insurance claim. They sent a check then I sent it to 21st because they had to sign it. They won't send the check back unless I send them some estimates and some other paperwork. That's ridiculous!! They are trying to keep the money instead of sending it so I can get the roof fixed. The check is only {$3900.00}. I'm going to have to pay extra out to pocket to get the roof repaired. 21st mortgage needs to be sued for their fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MA

Complaint narrative:
On XX/XX/XXXX I purchased 16 DNA kits for my family for XXXX. I was alerted by credit card company of fraudulent transactions. I informed them it was me and they reactivated my card ... XXXX had stopped the order so I called them and made the purchase over the phone on the same day. And was to believe the transaction was all set. I received the kits and put them away till the holiday. In XXXX of XXXX I learned that the kits have been deactivated by ancestry, and we had never been notified. I called ancestry they did inform me that they did deactivate the kits and never received payment. According to my statement this had been paid in full on XX/XX/XXXX by my credit card company. Due to the length of time from XX/XX/XXXX till XX/XX/XXXX AncestryDNA had deactivated the kits. 
I than called XXXX chase credit card and was told I need to file a a complaint and that the form would be in the mail 7/10 days ... it never came so I called back and was told they could not help me that it had been to long. The total for this purchase was {$1000.00} it was two purchases as you can not purchase more than 10 at a time.

( 10 kits {$640.00} and 6 kits {$380.00} ) no one seems to be able or willing to help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was threatened to wire money to two XXXX  accounts and it turned out to be fraud. The money was sent out using my chase account XXXX. The XXXX account are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX And account XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from comentity bank and it is XXXX XXXX XXXX XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having XXXX  this issue needs to be resolved I can not XXXX and uses XXXX and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I sent a request to the collection agency requesting under but the Fair Debt Collection Practices Act, 15 USC 1692g stating I am requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I requested them to provide me with competent evidence that I have any legal obligation to pay them. 
I requested the Name and address of alleged creditor 1. Name on file of alleged debtor 1. Alleged Account number 1. Address on file for the alleged debtor 1.Alleged Account number 1. Amount of alleged debt. 
1. Date ( this alleged debt became payable ). 
1. Date of original charge or delinquency 1. Was this debt assigned to a debt collector or purchased? 
1. Amount paid if debt was purchased 1. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 1. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector 2. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor 3. All statements while this account was open 4. Have any insurance claims been made by any creditor regarding this account? They never sent the documents requested and updated the credit busreas stating " Account information disputed by consumer, meets FCRA requirements ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CA

Complaint narrative:
There are 2 accounts and 1 addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? 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 non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
I was sold a solar system that has never worked as advertised and the tactics used by the sales team were probably illegal. everything they told me was a lie. The solar company has never tried in XXXX to fix replace or work out a solution and loanpal is the same. I'm a XXXX person and desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: AZ

Complaint narrative:
I used my credit to make a one time purchase with XXXX XXXX XXXX, this amount was authorized and subsequently paid. Three more unauthorized charges was made on the account and two were taken off of the invoice, the third charge was not removed from my account balance. After the first charge of {$120.00}. was initiated I called Chase bank on XX/XX/XXXX to have the charge removed advised them to stop ALL payments the XXXX XXXX XXXX since they were not authorized charges, those three charges were disputed. On checking my account balance and noticed that the charge was still on the statement I called Chase on XX/XX/XXXX @ XXXX and again on XX/XX/XXXX. I spoke with XXXX  who told me that the charge is in dispute and that I should pay the balance of {$69.00}. The original balance was {$180.00} less that disputed amount of {$120.00}. I paid the {$36.00} and the next month the said charge of {$120.00}. still reflected on my statement plus interest charges. I made several calls to Chase customer service and was transferred to the dispute dept. On XX/XX/XXXX I spoke with XXXX who transferred me to XXXX who hung up om me, then XXXX and the XXXX. I could not get any help from anyone and so I asked for a supervisor and that is when XXXX told me that there is nothing he can do for me. I told him that the amount of {$120.00} appeared on my XX/XX/XXXX and I disputed it then and now. I was given no help with this by Chase. I would like this amount returned to me with the interest I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-17 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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