vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a court date with the credit card company ; the representative did not show up, and the judge dismissed in the amount of {$1900.00} the case in XX/XX/2019. I have written to all bureaus and nothing has happened to remove it from all 3 credit reports. This has caused so much frustration to get approved all these years. Next action is to sue the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NY

Complaint narrative:
The following 20 accounts with XXXX is in litigation and Experian must removed. Please see attached documents showing proof of case and the reported accounts to be removed from Experians database.

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 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX Card Services XXXX XXXX XXXX XXXX, DE XXXX This account was included in my XXXX XXXX Bankruptcy ( Case # XXXX B ). Despite the stay order issued by the Bankruptcy Court, this creditor continues to call me, my ex-wife, my ex-father-in-law and my children. The latest collection action is coming from the XXXX XXXX XXXX using the telephone number ( 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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Applied for the credit card in early XXXX and did not receive the card for several weeks. The card was reissued and never received. I called for another replacement and was told it could not be expedited or sent with tracking. A XXXX card was issued on XX/XX/XXXX. As of XX/XX/XXXX, Avant can not confirm if a card has been issued or mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
I have 3 mortgages with Rushmore Loan Management Services. On all three I pay the escrows. On all three they have not paid the escrows. These mortgages were acquired XXXX, XXXX and XXXX of XXXX and XXXX and now I'm getting notices for non payment from my insurance companies and the taxing authorities. 

Account number XXXX is for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX I also have loans on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase bank restricted ( seized ) my checking account after I mobile deposited 5 checks after XXXX. I have contacted them and provided them with all of the information I have on the issuers of the checks ( my XXXX, a family friend and a Summer camp ) the only way for Chase to verify the checks is to speak with the issuers. The phone numbers I provided were not sufficient for Chase despite being the only phone numbers these issuers have. 

Ive been on hold for hours over multiple days to try and resolve. Im currently holding as I submit this. I am upset, the check issuers are upset and confused. No one has given me a reason as to why the account was restricted. Chase says it will close my account next week and keep the money until the checks are verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
There is an incorrect account reporting to my credit profile, which is affecting my credit, and affecting me from being able to receive new credit I have been requesting to have this debt verified that it is mine and irrefutable 100 % by requesting the original opening agreement with my signature date and ID that was used to open up this loan agreement by mail or by email. However this company will just continue send me an automated message saying that it is validated, but will not present proof on how they validate it or present me the proof that it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
Flagstar is my mortgage lender and we have an escrow account with them. In XX/XX/XXXX, we received a letter from Flagstar saying they could not make an insurance payment for the period of XXXX XXXX through XXXX because our insurance lapsed in XX/XX/XXXX. That was first time we found out we didn't have insurance coverage for the entire year from XX/XX/XXXX through XX/XX/XXXX. 

I contacted XXXX XXXX and they told me XXXX 's insurance payment was not received so my insurance from XXXX XXXX through XXXX XXXX lapsed and reinstatement was not possible. However, I was able to purchase current insurance that would cover from XXXX XXXX to XXXX XXXX. 

According to Flagstar, they made an insurance payment back in XXXX and they confirmed the check was cleared but XXXX XXXX could not locate the payment. Flagstar contacted XXXX XXXX in XXXX to solve the matter but follow up did not happen which caused the cancellation of XXXX 's insurance coverage. 

On XX/XX/XXXX, we received a notice from Flagstar that they placed force- placed insurance for the lapsed period from XXXX XXXX through XXXX XXXX and asked us to pay the premium amount of {XXXX}. I don't know why we had to pay that much money for the period that was already in the past. And our normal insurance payment is around XXXX. 

I have been contacting both companies to solve the issue but they kept blaming each other and didn't want to take time to look into the matter. Is it even legal place to place backdated policy and ask us to pay the premium that was not due to our fault? If they have informed us in XXXX, we could have talked to insurance company or try to buy a new insurance. I am so glad that we didn't have any incident we had to file a claim during the period. As a borrower, we have been never late for payments and I believe escrow service should have performed due diligence with insurance to keep the insurance current. 

Do we still have to purchase insurance coverage for the period that was already passed? 

Please advise me and let me know if you need additional details Thank you so much for your time.

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 2023-01-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2023-01-06 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: NY

Complaint narrative:
On XX/XX/XXXX, I reported at least {$20000.00} in fraudulent charges to my XXXX issued by Bank of America. These charges have yet to be resolved and negative reports have been sent to credit agencies. 

I have written and called the bank every month requesting the fraudulent changes be credited to my account, late fees reversed and credit agency reports be corrected. the bank has failed to take appropriate action each and every time. 

XXXX XXXX XXXX today, XX/XX/XXXX in a telephone call, I was told Bank of America 's employee XXXX XXXX XXXX that the bank had not coded all charges as fraudulent. This contradicts the bank 's most recent statement.. After coding all charges as fraudulent during the call, XXXX confirmed the account balance is XXXX. Nonetheless and worse still, XXXX then insisted that I pay " something '' to the bank since the " account is past due. '' She made this specific claim on the phone XXXX XXXX I was unable to convince her that since I owe the bank nothing -- I haven't used the card since fraudulent charges were made XXXX XXXX XXXX  -- there could be no late charges. She continued to say, " You must pay the bank something. ''

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 2023-01-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
Hey, my name is XXXX XXXX and I dont know nothing about this debt or about no money I just move here, in somebody or someone is use my Name and my address I dont know who they is but its not my, I need yall to call me A.S.A.P! ( XXXX ) XXXX whoever doing this need to be find or be in jail because this is false information.. or Ill get a lawyer!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: FL

Complaint narrative:
I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated XXXX XXXX   I never worked there XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to Experian with documentation regarding XXXX XXXX and my XXXX account and they took about XXXX minutes to perform an investigation. There is no way they did any form of investigation regarding the materials I sent them. I would like to reported as failure/fraud in an attempt to lure the user into purchasing their services to assist with credit repair.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was offered an XXXX XXXX XXXX by Comenity bank in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: GA

Complaint narrative:
Someone called said they were with credit card services for XXXX XXXX, XXXX, XXXX, and Discover card. They new my balance, last payment and future payment date on a Discover and XXXX I own presently. They said they were going to lower my interest rate on those cards and any others that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Ncb Management Services has reopened this account on my all 3 credit reports without my consent or permission or my signature on the original contract they have. It has been on my credit report for over 7 years and has not come off. The account is closed and reported as derogatory 120 days on my credit report and I continue to get denied when I apply for things. The balance reporting are not the same across all 3 bureaus one reports XXXX balance and other report {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NC

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents this debt collector that must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX account number XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX me to paid a membership in order to see me credit report or block my credit report after I get an email from them notifying my credit report is unfreeze and I can not unfreeze because I cancel my membership. Also I get many unwanted and advertising emails to affiliate a third party. Force to agree with consumer info. XXXX to released my credit information to have access to my credit. This actions manipulate and uses another third parties are XXXX. Please STOP force me to have a membership in order to access to my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation