vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohls/Capital One is reporting a charge off account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Capital One wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Capital One also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Capital One delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Certified Credit Associates, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I notified CFPB that a company XXXX XXXX XXXX reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected ( see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that XXXX XXXX XXXX sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on XXXX  XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/11 I received emails from XXXX XXXX and XXXX  that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is 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 explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debtsy Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent Debsty a debt validation letter and cease and desist but they continue to email me non-stop and never sent debt validation letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Management in violation of 808 and 809. Unfair practices and Validation of debt. 
I failed to receive in writing : ( 1 ) the amount of the debt ; ( 2 ) the name of the original creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
1. Completed a police report on XX/XX/XXXX 2. Sent a letter certified mail to IC system XX/XX/XXXX for validation of the debit and got no response 3. Active fraud alert is on file with all 3 bureau 's

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America A man Called me XX/XX/21 at XXXX about debt collection claiming to be from XXXX XXXX XXXX XXXX. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with Bank of America, he claimed to be a manager from XXXX XXXX. He said they would take XXXX today and i would have to give the remainder by the XXXX Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2021 I sent a letter regarding my rights as a Federally protected under title XXXX XXXX XXXX. It has been 60 days and I have not received a response yet. Why is that. I fell as if my rights are being violated. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 60 days so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
Ive asked on several occasions to receive verifiable proof that this debt belongs to me with my original signature with this company based on fair practices according to the FCRA. They have not sent me any verifiable proof but have damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
We have been disputing a fraudulent charge with Bank of America twice but unfortunately both fraud claims got rejected by BOA. The fraud case happened inside the XXXX  XXXX gas station in XXXX XXXX, XXXX on XX/XX/2020, XXXX XXXX  in our way to the airport. We stopped to fill in the gas tank and the employee at the gas station asked us for the credit card in order to swipe it and make the charge of {$37.00} but the transaction was immediately rejected and we had to pay cash instead. More importantly, at the same moment, we received 2 emails and 2 SMS text messages alerts from Bank of America about 2 unrecognized transactions. 
There were 2 charges made on the card at the same time ( XX/XX/2020, XXXX XXXX ) for {$37.00} and another one for {$470.00}. The problem we are disputing is the second transaction for XXXX by another MERCHANT " XXXX XXXX XXXX '' and according to the email we got from BOA, the merchant is also located in XXXX. When we received the emails, we followed the instructions as noted in the email and took action to deny the unrecognized transaction and we asked the bank to close the account and send us a new card and they did. 
We did not engage in any transactions with XXXX XXXX for {$470.00}. It is absolutely a scam/fraud and we are disputing this charge. Please see the attachment for the 2 emails we received from Bank of America about the 2 transactions and you can check the transaction timestamp. Both happened at the same time when the employee at the gas station tried to swipe the card. 

We are requesting your help to investigate this case with BOA very thoroughly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC
State: AL

Complaint narrative:
We purchased our home in XX/XX/XXXX. We have a conventional loan through InterLinc Mortgage. Shortly after the purchase of our home ( approximately 2-3 months ) I filed our homestead exemption with our local county. 

Our mortgage from XXXX XXXX XX/XX/XXXX was {$1400.00}. In XX/XX/XXXX we received notice that our mortgage was going to increase to {$1800.00} which was due to a substantial increase in our property taxes. On XX/XX/XXXX I contacted InterLinc Mortgage about the issue. They advised me to send in proof of my homestead exemption as it appears that the increase in the monthly mortgage payment was due to their estimated increase in my property taxes. On XX/XX/XXXX i emailed them proof of my homestead exemption. InterLinc advised me they received the document and would send it to the research department to adjust my mortgage to reflect the correct amount as my homestead exemption was filed timely. 

I continued to call InterLinc Mortgage approximately 15 times speaking with various customer service representatives between XXXX XXXX XX/XX/XXXX. Each assured me that they were working on my account and they had all the information they needed to correct my mortgage amount. On XX/XX/XXXX I spoke with another representative that advised me that they did not have all the information that they needed and that they needed my tax bill for XXXX to correct my mortgage. Obviously this was frustrating since I spoke with several customer service reps and nobody advised me until almost 2 months later that they needed additional information. By this time we have already paid the incorrect increased mortgage of {$1800.00} for 2 months. On XX/XX/XXXX I left work, went down to the court house and obtained my XXXX property tax statement showing my estimated property taxes would be {$2000.00}. InterLinc Mortgage claimed the property taxes I would owe in XXXX was {$3800.00}. I contacted InterLinc Mortgage again last week. She advised that they have the documents and that the analysis department was reviewing them. She then advised me that after the analysis department reviews the document, calculates what my mortgage should be, it would take 2 MONTHS for them to adjust my mortgage and charge me the correct amount. InterLinc Mortgage has had all the necessary documentation to adjust my mortgage to the correct amount and they are either incapable or unwilling to do so in a timely manner. I demand that InterLinc adjust my mortgage to the correct amount which is something closer to what I was originally paying and refund me for the increased mortgage I have been paying for the past few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, there was a debt validation letter sent via certified mail directly to the creditor XXXX XXXX XXXX XXXX XXXX. However, to date, I have not received a response back from the creditor. 

On XX/XX/2021 there was a letter sent to the 3 credit bureau XXXX Experian, XXXX XXXX  XXXX for inaccurate account information being reported, and to have the information verified and method of verification requested. On XX/XX/XXXX, I received a letter from XXXX that the information was updated, however my requests for the method of verification was not fulfilled. 

On XX/XX/2021, I spoke with a XXXX XXXX XXXX for Experian XXXX, and he informed me that the information was verified by the company, and that he could only open up another dispute on my behalf. He also informed me that I was not allowed to know the method of verification. 

On XX/XX/2021, I contacted XXXX XXXX XXXX, they informed me that, they are reporting the information correctly. However, they sold the debt to another company. 

As of XX/XX/2021, I have not heard anything back from 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 2021-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P.S.C., Inc
State: MT

Complaint narrative:
On XX/XX/XXXX I notified CFPB that a company Puget Sound Collections reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) Puget Sound Collections sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected XXXX see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that Puget Sound Collections sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on permanent XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 check number XXXX cleared my account in the amount {$4800.00} at USAA bank. Today I go to my account and my entire checking {$2100.00} account balance was taken to {$0.00} with an overdraft amount of an additional {$2700.00}. So I looked at the account and USAA processed a check payment again on check number XXXX in the amount of {$4800.00}. I contacted USAA and was first told that the merchant had processed the check twice and that USAA would return the check but my funds would not be returned for XXXX to XXXX business days. I contacted the merchant, who then contacted XXXX bank and no such reprocessing occurred, USAA lied. I contacted USAA and they transferred me to the XXXX resolution center. That department says a work order to reverse the damages caused was sent but it will take XXXX to XXXX business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F ) XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court JP 5-1 ( XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from XXXX, XXXX Equifax, Case # XXXX XXXX County, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TX

Complaint narrative:
On XX/XX/XXXX, I recieved a report from XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX ) XXXX, which indicated a closed account from XXXX  XXXX auto opened in XX/XX/XXXX, but was removed from my credit report in XXXX, due to being older than 7 years I recieved this credit alert from equifax, XXXX in XXXX that it fell off my credit report. on XX/XX/XXXX, I see it's been placed back on my credit report in XX/XX/XXXX by this agency and when I logged in to see Equifax credit report and look at my closed accounts, XXXX  XXXX shows ( Closed Account ) but it's there to view and it's been there for XXXX  year and XXXX  months, so my complaint is why is it there it shouldn't even show, for XXXX  years XXXX months they've had this on my report, I want it removed because eventhough these account show closed, they are still sending out old information that should not be reported. This is causing me to pay more and keeping my credit score down, please enforce this and make them remove any and all closed accounts. Their disclaimer even states that these accounts are removed after 7 years, it's been XXXX, they should remove all of those closed accounts that way this will not happen again, and I'm asking that they be sued because this keeps certain groups of people credit scores down and that's discrimination, its also fraudulent because on one hand their telling us that this information is not being reported it's closed yet it shows up, so they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank XXXX XXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX  checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine XXXX XXXX and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.

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