vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: PA

Complaint narrative:
I have 4 negative debt collection accounts that I have no knowledge of. I also have an unknown address on my credit report as well. I am a victim of 17 data breaches and a victim of identity theft. I found another social security number on my Experian credit report that was deleted when I called.

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 2021-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Credible Labs Inc.
State: VA

Complaint narrative:
" Credible.com '' offers a best rate guarantee ( terms attached ) that pays {$200.00} if you close on a better rate at a different company. I made a Credible loan refinance search on XX/XX/21 ( results attached ). The best rate offered was 3.32 % from XXXX XXXX ( details attached, note that rate includes " auto-debit discount '' ). 

On the same day I made an identical search and was offered a better rate from XXXX of 3.10 % ( search results attached ) for the same loan information entered at credible. I chose to refinance with XXXX and submitted a claim with credible. Upon receiving my loan agreement from XXXX I submitted that to credible ( email and XXXX terms attached ). 

On XX/XX/21 I received an email from Credible denying the request citing that my rate from XXXX was actually 3.35 %. This rate does not include the the auto-debit discount of 0.25 %. Per the best rate guarantee terms " The Better Rate will be compared against your prequalified rates on Credible with autopay considered where available ''. I replied to their email pointing out their error and that I was eligible. They have replied to no further correspondence since i pointed out their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


I reported the theft of my identity to the Federal Trade Commiss and I also have enclosed copies of the Federal Trade Commiss Identity Theft Affidav Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Financial Data Systems
State: NC

Complaint narrative:
On XX/XX/2021, FINANCIAL DATA SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of 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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new account with Capital One on XX/XX/XXXX. I also initiated a test transfer of funds from my existing credit union account ( XXXX XXXX ) of {$1000.00} to fund the new account. While waiting on these funds to finish transferring I received my deposit refund check from the location we lived in previously ( we just relocated to XXXX from XXXX ). I proceeded to use Capital One 's mobile app to deposit this personal check into our new account which occurred XXXX. The morning of XXXX I woke to find an email stating our brand new account had been locked due to suspicious activity and I needed to call to resolve the matter. I then called Capital One and was informed that due to this being a personal check they can not confirm if it is valid and the only way to unlock the account is to have our former landlord reverse their check with their bank. So I am attempting to get this done, but for now Capital One is holding our funds hostage for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from XXXX XXXX XXXX XXXX saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.

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 2021-03-09 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2021, STERN RECOVERY SERVICES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of 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 2021-03-09 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This submission is more a suggestion than a complaint. 

Credit card companies should provide a running register of charges and payments. This would provide an up to date balance of the credit card. 

Pending charges would be added to the balance as they are verified. 

The current reporting system is not real-time but has a lags in between the times payments are sent, payments are received by the credit card company and payments are posted by the credit card company to the charge card balance. These delays do not exist for charges to the card, many of which appear within minutes of the purchase. 

The change would provide users a better tool for seeing the cards current status and for managing charges and payments. 

It is a simple accounting fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OR XXXX Disputed charge XXXX On XX/XX/XXXX I purchased a lounge knit set in a size medium which included the colors kaki, an off white and pink. The image displayed a set which was a top, bottom pjs and a robe. I received the package around 2 weeks after I purchased the items. The sizing wasnt as it claimed to be. The off white was smaller than the other two colors and the 3 sets didnt include the robe. The other two colors were still kinda small on me. I emailed XXXX at XXXX and XXXX which was the XXXX page, to do an exchange or a return and until this day ( XX/XX/XXXX ) I received no response. The sizing that is referenced is off. Im not satisfied with the purchase because I cant even wear it comfortably. Im requesting my funds to be returned. If you go on XXXX at XXXX, there are many reviews with my similar concerns. Hopefully my issues can be resolved. 

I attempted to open a claim with Bank of America. I opened a claim on their mobile app. I reicced a notification a couple days later saying they needed me to submit additional information, which I did on XX/XX/XXXX. I had issues with their site. I called this day and the person I spoke to said I had to fax in the information. I called later that day and faxed them multiple times due to using a fax machine app. The person I spoke to said they received my information and documents. Then on XX/XX/XXXX, I get a email saying they denied my claim because either my documents were incomplete or not received. I called this day and the person I spoke to said they never received my documents.

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 2021-03-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Credit card was lost. I did not notice until the charges came in the mail. As soon as I saw the fraudulent charges ( end of XXXX  XXXX  ), I called and cancelled the card and reported the charges. Charges were removed and a new card was issued.

Several months later, all the fraudulent charges reappear on my statement without any explanation. I call to inquire. They tell me I need a police report and the charges will be removed. Why wouldn't they have said that in the beginning? I get the report and send it. They don't remove the charges!!!!! Each time I call they come up with a new reason to not take off the charges. 

The very last time I called, the supervisor said it was because I made a payment on the card. That confirmed the charges were valid.????? I have been a customer for over 18 years, paying it off each month. I have never had a problem. I have never gone to the merchants on the XX/XX/2020 statement. Ask them for signatures or a camera or something because the {$2900.00} charges are not mine??????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from Convergent Outsourcing XXXX Inc. saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.

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 2021-03-09 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: CORELOGIC INC
State: NY

Complaint narrative:
CREDCO Inquired on XX/XX/XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview loan servicing had not paid my property tax bill. Which they are responsible for doing. It is past due. And it is holding up my refinance. I have attempted to contact them many times. I've spent hours just getting transferred around in the phone tree without taking to anyone. When I finally some to someone, they or me on hold for a long time and still had no clue how to handle this when they came back. They have left me with no options

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Several weeks ago saw that my fico score dropped 99 points. Got XXXX  report. It showed I owed {$2200.00}. for medical debt. Creditor was. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX. XXXX XXXX XXXX Called them found that the debt was my sons for an ambulance run in XX/XX/XXXX. Called XXXX XXXX XXXX. They told me that they reported to Simons my sons name ( he is a XXXX ) address and DOB. No SS number as they did not have it. Turns out that they had his DOB off by one day which happened to be my day and month date. Simons then added my SS number to the information and reported to XXXX  that I owed the money. My address is not my sons address. Called numerous times to Simons ( 11 ) got transferred and disconnected three different times. Was told early on by XXXX that she would call billing company and call me back. No call. Spoke to XXXX next day. Explained situation to him. He put me on hold to check things, was then disconnected. Called back at once got his voice mail. Left message, no response. Sent email to XXXX XXXX ( supervisor? ) explaining again the situation. No response. Called XXXX XXXX on XX/XX/XXXX. She told me my credit was fixed and would email me confirmation. Nothing. Emailed her again. Nothing. Want them to acknowledge their mistake and give me written confirmation that my credit is fixed and that this was never my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing XXXX XXXX XXXX c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 and XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation