vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification that a new collections account in the amount of {$220.00} had been added to my credit report. Upon further investigation the collection was regarding an old account from XXXX  that had been closed on XX/XX/XXXX with a XXXX  balance due by XXXX  in accordance to their company policy that a customer 's account must be closed if they change addresses and a new account must be open for the new address. 

I called XXXX on XX/XX/XXXX and was told by XXXX  customer service that I was in collections for un-returned equipment from my closed account from XX/XX/XXXX. I requested to receive proof of documentation of their attempts to contact me regarding their fees as I have never received any form of bill or letter and the customer service representative stated she was unable to provide or acquire such evidence. 

In XX/XX/XXXX, I had called customer service to schedule a change of address service and was instructed by the customer service representative to keep my current equipment and to not return it because it would be used in my new place of residence. When I moved to my new place of residence in XX/XX/XXXX I was given a new account number and was required to install new equipment to be compatible with XXXX   's new technology requirements. At the time of installation in XX/XX/XXXX, I had asked the XXXX  Technician if he would be taking the equipment and he said no it was not necessary to return. Furthermore, post closing of my account from my prior address XXXX   never provided me with return instructions or labels or any sort of request and told me my previous account to which the equipment was registered to was closed null and void with no additional fees due. To date I have maintained a 100 % on-time payment history with XXXX, I have maintained the same email address, telephone number, and have my current mailing address on file from my new account. To date I have never received any form of attempt to communication or correspondence from XXXX  regarding the {$220.00} balance due before being sent to collections. XXXX  also removed my access to my online account portal as soon as the account was closed and terminated to which I was no longer able to review any documents or impending charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: NV

Complaint narrative:
I had booked flights on XXXX XXXX for XX/XX/XXXX and due to Covid-19,  our flights were canceled because flights were suspended in our city. I reached out to XXXX to get clarification on refunds or credit. We did not ask to change or cancel our flights with XXXX and we were never informed that our flights were canceled. We discovered this information when checking the status of our flights on their website. When multiple attempts were unsuccessful I reached out to our capital one credit card and informed them of the situation and started a dispute. On XX/XX/XXXX they credited my account and on XX/XX/XXXX they denied my dispute and I was rebilled for the flights. Capital One informed me that I needed to deal with the merchant and that they would no longer help me. I informed Capital One that XXXX had voided my vouchers due to the dispute and that they would not be giving me any vouchers to use for future travel because the bank had been refunded for our flights. I have talked to Capital One multiple times to inform them that services were not rendered by XXXX and that they continue to inform me that no vouchers will be given to me for the canceled flights. Capitol one refuses to assist me in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: NY

Complaint narrative:
THERE IS AN ALLEGED CHARGE OFF SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE- PERSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: U.S. BANCORP
State: AZ

Complaint narrative:
My credit card with USBank was fraudulently charged outside the US ( in  XXXX, XXXX ) on XX/XX/2020. USBank has refused to refund the charge. 

The detail of the charge shows that it was " Manually Entered '' for {$12.00} ( {$16.00} XXXX ). In addition, there is a related " Foreign Transaction Fee '' of {$0.00}. The " Merchant Category '' is " Computer Software Stores. '' The description is " XXXX XXXX XXXX, XXXX  XXXX XXXX On - XXXX XXXX Dol '', none of which is anything I have ever seen or dealt with or ordered, for that matter. USBank simply refused to reverse the charge with no explanation. 

We have never been to XXXX, XXXX. We have never ordered anything from XXXX, XXXX. I certainly have not ordered " Computer Software '' from XXXX ( or at all ).

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 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I applied for a refinancing loan with better.com by beginning of XX/XX/2020. They advertised that they will beat the rate sheet or loan estimate from a competitor by {$1000.00} or pay {$1000.00} if they are not able beat it. I was able to provide some quotes and they refused to accept it saying it was not an estimate. When I finally was able to provide one they just about matched ( in fact it was little bit over ) but did not honor the {$1000.00} price match guarantee. When I questioned they refused to honor it and also changed the offer to {$100.00} on their website. This is false advertisement. It is a bait and switch tactics and scandalous practice. Better.com should either pay me {$1000.00} or beat the estimate by {$1000.00}. Please kindly look into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
on XX/XX/2020 i transferred USD to XXXX ( XXXX ) through Skrill.com they took my money same day but didnt transfer yet, now today when i called they said we'll issue refund to you after 5 days. 
Also, they took my SSN card, DL License and bank statement. When i call there customer service call went to out of country ( non native English place ). I am very scary that they will misuse all my personal info, they have all my personal info, such as SSN, DOB, Bank account #, CC # Address etc.. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I am disputing the debt as reported by SOUTHERN CREDIT RECOVERY for {$290.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist. 

In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state and jurisdiction? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state and or jurisdiction, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Have made repeated attempts to contact this creditor to discuss repayment and credit reporting. They do not respond to phone calls or voicemails, simply directing debtors to pay online via their website. Given this collection agency 's reputation, I am not willing to simply give them money without knowing when they will remove this from my report. I attempted to dispute this via XXXX  without success. 

RENTON COLLECTION # XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$950.00} Date Updated : XX/XX/XXXX Original Amount : {$950.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX - Unable to reach, sent to voicemail XX/XX/XXXX - Attempted to call again, no answer XX/XX/XXXX - Attempted to call again, no answer, left voicemail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, Nissan Motor Acceptance Corporation falsely reported my account as 30-days late, in-fact ; the account was paid in full for {$430.00} on XX/XX/XXXX, which can be seen in the screenshot I submitted, which is from my Nissan account. This report was made to the credit bureau, which dropped my credit score by 13-points. For the payment of XXXX, they also charged a late fee of {$43.00}. On XX/XX/XXXX, I paid for the month of XXXX and paid the late fee, and the account is still reported as behind. 

A month or two ago, Nissan had my account listed as past due, and when I called them, a representative told me that everything was fine. During that period, Nissan was calling my phone constantly, and filling up my voice mail. I called to see if anything was wrong, Nissan said it was fine. This was probably in XXXX or XXXX. 

It should be noted that two payments were moved to the end of the loan, which is the month of XXXX and XXXX ; other than that, all payments have been made. Nissan knows my account is current, but they still harassed me with calls, made a lie about my account status to the credit bureau, and charged me a {$43.00} late fee when my account is actually current, and I paid this month 's bill early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citi Double Cash credit card with a credit limit of {$13000.00} which I was the card holder for about 10 years, I used the cash promotion offer last year and paid off the entire balance at the end of the promotion, Citi decreased my credit limit to {$460.00} from a {$13000.00}, I immediately contacted Citi and cancel my account. I have never had any credit limit decrease by any credit card I currently hold with XXXX, XXXX and XXXX. I want the consumer to know how Citi Bank business practices and treat the hard work consumers whose paying their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I sent a letter asking for validation of debt owed to Paragon Revenue Group because I have no or have I ever had business with them. During the dispute/validation process every few days this company has flagged my credit. It has caused my credit to decrease 23 points. They sent me a statement of alleged debt amounts I owe them. They even stated others names on the bill who I am not aware of. They continue to update the collection but has yet to provide validation as per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have reached out to an attorney and intend on moving forward with legal actions against this company. This has been an ongoing thing with this company and I consistently get them deletes and they pop up with new amounts not being able to verify any debts owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Funds arent able to get sent or deposited into bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Regulation d is suspended and bank had suspended withdrawal fees from saving account. I have been charged fees for withdrawing from savings even though they are waived. They are refusing to reverse the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2020-07-04 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: SC

Complaint narrative:
I am a victim of identity theft. I have notified this bureau and they have not acted according to the FCRA 605 B.

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 2020-07-03 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation