vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 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: TX

Complaint narrative:
My card was compromised with five fraudulent charges on XX/XX/2020 not limited to- {$510.00}, {$160.00}, {$69.00}, {$70.00}, and {$35.00}. I called Capital One Immediately when I saw the charges the following day, XX/XX/XXXX to address the fraudulent charges and get them removed off of my account. Fast forward to XX/XX/XXXX, I see the fraudulent charges posted back to my account saying that the charges were authorized by me, when they were in fact most definitely not my charges. After calling and asking why the charges were posted, and asking what I can possibly do to get them removed ( since they were not my charges ) again off my account, I was promptly told that nothing could be done ( after nearly two hours of hold time to speak to a representative ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
1. Received a phone call in which First Federal Credit Control advised that they were attempting to collect a bill for Dr XXXX. They also assumed that I was XXXX XXXX though they did not confirm my identity before disclosing that I had a medical bill. 
2. I advised First Federal that I did not know who Dr XXXX was 3. First Federal reported this bill on my credit report First Federal was clearly made aware that I disputed this bill and they failed to provide supporting documentation as required of a data furnisher. They have not supplied the date of service, service received or any information about who Dr XXXX is or how XXXX XXXX intends to support this bill. First Federal reported this bill to my credit report without conducting a reasonable  investigation or supplying the results of a reasonable investigation. Furthermore, in their telephone communication First Federal both communicated the existence of a debt to a party without verifying that person 's identity, as well as disclosing protected health information. 

In summary, there are issues with FDCPA, FCRA and HIPPA in this one incident.If First Federal wants to claim that they did not know they were communicating with the consumer, they are guilty of disclosing both the existence of a debt and protected health information to an unidentified third party. If they want to claim that they were communicating with the right party, they are guilty of failing to conduct a reasonable investigation and supply validation of the debt prior to reporting to that consumer 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: FL

Complaint narrative:
The credit card company closed my account after I made payment on XX/XX/2020, but claimed they closed it on XX/XX/2020. My payment was made using XXXX XXXX. They have refused to issue refund for {$310.00}. I have written a request to expedite refund due to current crisis in the US. I am only asking for assistance for the company to release my funds immediately. I have asked if funds can be sent back to XXXX XXXX and XXXX XXXX said they will reissue a new reference ID number for me to pick up funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: CA

Complaint narrative:
Equifax is Reporting a collection Account that Should Not be on my Credit Report. I have contacted them on 2 Occasions & it has not been Removed. I contacted both XXXX & XXXX regarding the same Account from Some debt collection agency that should Not be on my Report & they Promptly removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: NV

Complaint narrative:
Transunion is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX XXXX balance XXXX ) XXXX is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX Balance 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 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised that this is my 3rd time reaching out to Equifax in reference to collection and charge off accounts on my credit report that are not mine. I have sent in a copy of my social security card, ID, and a current bill and they still have not fully and properly investigated into these incorrect debts reporting on my credit report. These negative items are not mine and they are effecting me negatively with purchasing a home and the negative marks are also making me look " risky '' to other lenders. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/2020. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Services requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/20. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond to reinvestigate this matter, but continue to report on my credit report as resolved but consumer disputes. I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.

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 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit. 
I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: NV

Complaint narrative:
Tranunion is constantly reporting an account on my credit report that does not belong to 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 2020-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of america is reporting that I owe them over XXXX $ I remember that I applied for credit with this company and was granted a credit card for 2000 I received my card in the mail and activated the card.. 

Later the card was missing and I did not realize it, my spouse and i was making payments on the account thinking that one of us made the charges until one day we had a discussion about this card and noticed that neither one of us was making these charges I noticed the inaccurate reporting on the web and asked the company to start an investigation was mailed a letter letting me know that no fraud was occurred but I never told them what I was disputing. 

I am not sure how an investigation was complete without a statement from me saying what was being disputed I have been a victim of id thief and the company has been sent the report however the company has dismissed my concerns when it comes to this account

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 2020-04-12 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
ALLY FINANCIAL IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. ALLY FINANCIAL HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY 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 2020-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
At the very end of XXXX ( exact date unsure ) I contacted Shellpoint via phone call to specifially discuss new Covid-19 guidelines XXXX XXXX issued that directly pertains to my XXXX XXXX mortgage. In a recorded phone call, the agent ASSURED me Shellpoint would be following those guidelines for Forbearance, specifically no late credit reporting and would not require all payments plus late fees at the end of the forbearance. I have reduced income due to covid. 

I expressed GREAT XXXX that these conditions would not be met by Shellpoint but was ASSURED they will be. With no other choice and flimsy details, I missed my XXXX payment with only assurance by an agent on a phone call to go by. 

Over the course of two weeks, I repeatedly attempted to make contact with my point of contact XXXX XXXX at Shellpoint via phone. I wanted DETAILS and assurance. 
His voicemail was full and not accepting messages. I wrote three emails that were unreturned. I could not get thru to anyone at Shellpoint. I received NO correspondence from Shellpoint via the US mail, email or phone detailing the forbearance until Saturday XX/XX/XXXX. I received a threatening form letter. 

The correspondence stated 1. NEGATIVE CREDIT REPORTING WILL OCCUR 2. Indicates ALL payments CAN be due at end of The forbearance unless they deem to do OTHERWISE and that an application for working the repayment would need to be applied for at the END of the three months and that they can DENY the application and demand all payments at once. This is contrary to XXXX XXXX guidelines and exactly what the agent said would NOT happen. 

This.is Exactly. What.I.Specifically. Asked. The. Agent. About. In. XXXX. 
In a phone call on Saturday, XX/XX/, after receiving the letter, I was able to speak with an agent who assured me my letter was wrong, differed from what she was seeing, and she was putting in a request for a manager to contact me. I do not have any faith in this process now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I have 2 friends that created their own training company. I want to purchase their 1 year annual reoccurring membership. XXXX and USAA and the federal government have tagged my account to be unable to participate in lawful training. This is a violation of the first amendment for association. Violates my rights to educate myself and stay current in my profession. Im a currently serving honorable serving XXXX. This is a violation of my rights to due process! I havent been convicted of any crime. I want to receive damages for the violation of my rights! The Constitutional rights is being violated. I have other knowledge from XXXX XXXX  from a similar training company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX  ( the address attached to the company is Transworld Systems INC ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX  ( Transworld Systems INC ) is reporting a fraudulent collection account on my Transunion report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX ( Transworld Systems INC ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX XXXX ( the address attached to the company is Midwest Recovery Systems ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recovery Systems is reporting a fraudulent collection account on my XXXX  report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recover Systems ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/20 I'm using Capital One Credit Card and I pay my bill with this accounts on instalment bases monthly by Phone.When my payment was due, I called the Capital One company so many times trying to pay my bill because I didn't want to go late payment and nobody answered the Phone .I decided to call the following day and make my payment but so amazingly when I went into my Bank Accounts this Credit Card Company had gone into my Personal Bank Accounts and retrieved all the money in it.I have some other bills to pay like my Rent, Auto Loans are still increasing with interests and late payments .I called them and they told me they were going to deposit the money back into my accounts since last week but up to date it hasn't been deposited My accounts is showing Negative .I don't see the reason why this Capital One Company could go into my accounts without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: TX

Complaint narrative:
I have had four NSF fees of {$29.00} charged to my account. Two on XXXX, the third on XXXX and the fourth on XXXX. All of these fees were from my account going into overdraft ; however, poor money management and budgeting were not the reason why. All four of these fees were from my account going into overdraft because of other, outside companies, incorrectly charging me. My bank, USAA, will not return the fees and refuse to do anything about the situation even though their fees were often the cause of the overdraft etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation