vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Hi, i actually was just on the phone with the LVNV because I paid off this account and they stated that they will removed it, but I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I wanted to get this inquiry remove off my credit report

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I wanted to get this inquiry remove off my credit report

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I HAVE ADDRESSED THIS COMPLAINT AND PRIOR TD BANK COMPLAINTS WITH XXXX XXXX 'S OFFICE TO ENSURE THIS IS HANDLED. 

TD VISA ACCOUNT XXXX XXXX XXXX XXXX. OPENED XXXX AND CLOSED XXXX. YES 3 WEEKS. {$15000.00} CREDIT LINE. THIS ACCOUNT IS NOT IN RECOVERY, NOT BEHIND IN PAYMENTS. BALANCE TD IS CLAIMING. {$380.00}. OTHER HIDDEN INTEREST PAYMENTS ADDED TO MY STATEMENTS. INTEREST KEPT BEING ADDED AFTER NOT ACCEPTING THE PAYMENT FOR 6 WEEKS. 

TD LINE OF CREDIT ACCOUNT XXXX OPENED XXXX AND THIS MUST BE CLOSED AS I HAVE NO ACCESS TO THE {$10000.00}. SHOWING OPEN ON MY CREDIT REPORT BUT NO ACCESS TO THE CREDIT LINE. BALANCE TD IS CLAIMING. {$810.00} TD VISA WAS PAID WITH A THIRD PARTY BANK CHECK OF {$1900.00} WAS MAILED ON XX/XX/XXXX BY XXXX XXXX XXXX. FOR SIX WEEKS I CALLED OVER AND OVER. I ALSO CALLED TWO BANK EMPLOYEES AT TWO DIFFERENT BRANCHES. I ALSO CALLED THE CURRENT XXXX XXXX   MANAGER THAT OVERSEAS THE BRANCHES. I HAVE RECORDED CALLS, DATES. THAT BEHAVIOR WILL CLEARLY SHOW HOW POORLY THIS BANK IS RUN, THE SABOTAGE TO TRY AND RUIN MY VERY GOOD CREDIT. I HAVE EXTENSIVE CREDIT AND DO NOT HAVE ONE ISSUE WITH ALL CREDIT LINES WHICH ARE FAR MORE THAN THESE CREDIT LINES. THIS IS NO FAULT BUT THE SHEER SPITE WORK OF TD BANK. TD KEPT THE CHECK THAN DECIDED AFTER SIX WEEKS SINCE FIFTH THIRD BECAME INVOLVED THE CHECK WAS REJECTED ON XX/XX/XXXX. ELECTRONIC PAYMENT WAS COMPLETED FOR ANOTHER {$1900.00} ON XX/XX/XXXX FROM MY FIFTH THIRD CHECKING ACCOUNT AND DONE BY A THIRD PARTY WHO HAS BEEN INVOLVED AS A NON ACTING ATTORNEY TO TRY AND FUSE THE MATTER. 

CONSUMER AFFAIRS HAS DISPUTED BOTH BALANCES WITH THE CREDIT BUREAU 'S. TD CONTINUOUSLY VIOLATES BANKING RULES. I HAVE ALSO REACHED OUT TO REP. XXXX XXXX 'S OFFICE. TD EXPLOITS, CREATES SET UP FOR FAILURE FOR THE CONSUMER TO GIVE UP AND PAY! 

MY LOAN STATEMENTS WHEN I LOG IN DOES NOT PROVIDE A PROPER FINANCIAL STATEMENT WITH INTEREST PAID MONTHLY OR DAILY. I HAVE ASKED FOR THIS FOR FROM DAY ONE. HOW MUCH IS MY DAILY INTEREST, MY MONTHLY INTEREST. I WANTED THIS MONTHLY. I REQUESTED THESE STATEMENTS BE MAILED TO THE PO BOX THAT THE ATTORNEY SET UP. I NEVER RECEIVED ANY INFORMATION I ASKED FOR. I RECEIVED ONE LETTER WHICH SPEAK IN VOLUMES ON THE LOW LEVEL OF INTELLIGENCE AND INCOMPETENCE ON A CONTINUOUS BASIS. I HAVE PAID {$6000.00} A HEAD OF SCHEDULE ON XX/XX/XXXX. I WAS TOLD I AM NOT ALLOWED TO MAKE FUTURE PAYMENTS! THEY KEPT THE {$6000.00} AND STILL CHARGING INTEREST THAT IS NOT BEING APPLIED TO PRINCIPAL. THE LETTER STATED I WRITE ON MY COUPON BOOKLET " APPLY TO PRINCIPAL '' SURE, WHEN I MAKE AN ELECTRONIC PAYMENT I WILL BE SURE TO ADD MY COUPON! NOTE. TD BANK WILL NOT TAKE MY PAYMENTS IN AT ANY BRANCH AND ALSO BY POST. THIS IS VIA THIRD PERSON WITNESSING THIS. ALSO BY POST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
this on my credit report I wanted this remove inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TX

Complaint narrative:
The following accounts are a result of identity theft and I have notified Experian already. 
XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
The property in which my parents had a mortgage on is now paid in full as XX/XX/2020. Both of my parents are deceased and my name is on the account as an authorized party. There's a refund check for approximately {$5800.00} made out to the Estate of ( my Mother 's name ) and an insurance claims check for approximately {$8000.00} ( made out to both the Estate and Midland Mortgage ). I was unable to cash the checks without proper documentation of proof that I'm authorized to deposit the checks and my bank said the checks need to be made out to me because of the amount. My parents did not have a Will ; therefore, a real estate attorney drafted an Affidavit of Heirship And In Aid Of Title document and had it recorded in the state where the property resides. There are 4 heirs ( including myself ) and the Affidavit includes all of our names. I forwarded all documents to Midland Mortgage as requested. They acknowledged receipt and have said since XX/XX/2020  that my documents were under review. I was told I would receive the checks in my name by the end of XX/XX/2020. I called the first week in XX/XX/2020 to inquire about the checks and was told it was still under review. Then they said the checks would have to be placed in all four ( 4 ) names. I said ok, and emailed the names and addresses of all XXXX siblings as requested. I called again the week of XX/XX/XXXX and again was told my matter was under review. After getting irate, the rep then said the checks will go out via XXXX that week. I still have not received any checks nor confirmation of the XXXX tracking number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After many attempts. I am not able to see or dispute negative information on my report.

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 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
midland XXXX called my job about a debt after I ask them not to, they said they can call anytime they want and will continue to call my job!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Private student loan servicer Navient has been making CONSTANT phone calls to me ( from phone numbers that my phone carrier flags as " spam '' or " possible scam '' ) to HOUND me MERCILESSLY about making a payment that, by admission on Navient 's own statement, IS NOT EVEN LATE YET!!! 
This situation could have been mitigated, or even completely avoided, if Navient had refrained from sending me a semi-literate letter indicating that my forbearance period was coming to an end on XX/XX/2020, without ANY indication of when the next payment would be due, the payment amount, etc. It would have literally required an additional sentence on the semi-literate letter that Navient sent to me - this is hardly rocket science, and is not something that I, as the borrower, should be required to brainstorm or to fix for a multi-BILLION dollar corporation like Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed an account on my credit report and asked for it to be removed per inaccurate information. I received notification that it wasnt reporting on Equifax report. I called agency because when I pull up my credit report it is still showing and they have no idea on how and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, i contacted paypal today that i have been a victim of unathorised tranasction which it wasn't me who did this transaction, i was usually surfing the web until i got a messaged popped up saying XXXX has been sent to this paypal email address i was in shock and i went and checked and saw my paypal password changed so i quickly changed it, and i realised i was hacked thru my computer i must of had a virus but paypal didnt protect me either way no reimbursment. i lost XXXX of my hard earned money i contacted the person email who has my money he was very rude and saying not him etc, so i contacted paypal telling them what happened neither did they listen they just denied right up after couple hours and PAYPAL are letting fraudsters/scammers win constantly no matter what you do, this company has no clue whats its doing it cant detect anything in fact paypal is that bad i will start using revolut again and that was a shocker at least i wasn't hacked, and paypal take no care for customers they just do it their way im very dissapointed. I hope i can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX and Citi Credit Cards do not give you points as stated on your credit card statement. Citi has failed to send XXXX XXXX over XXXX points over 4 years! XXXX XXXX will not help as they say we only reward you what Citi sends us.

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 2020-08-24 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
We had a written agreement for pay to delete within 30 days. ( See Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently applied for cash advances/personal loans on many online platforms. I was contacted by a scammer posing to be from a company by the name of XXXX XXXX. The person said their name was XXXX XXXX, and went on to collect and confirm my bank information via phone. I was even provided with an email that confirmed that my loan had been processed. The sender 's email is ( XXXX ). After I hung up I went to check my account and my account was negative by XXXX dollars which far exceeded the amount in my account. My bank then proceeded to close my 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 monetary relief
Consumer complaint received 2020-08-24 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: AZ

Complaint narrative:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXXraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ).

They refuse to correct information after being provided proof of  inaccuracy.

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 2020-08-24 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:
Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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:
Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment was mailed and received by the company. According to the USPS.com tracking system checked against the registered mail number on the document uploaded, the company received the documents XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid off my capital one ( Wal-Mart ) card on XX/XX/XXXX. I paid the balance of the account. I received a statement from Capital one that they did not post my payment until the XXXX. They are charging me {$28.00} late fee, plus interest. I reached out and spoke with a supervisor, and she told me they did receive my payment on the XXXX, but it was after their cutoff time, and that was why the late fee, and since they charged me a late fee, they are also charging me interest as well. I paid the balance in full, and it was made on the due date. I do not think it is fair that I made the payment on the due date, and I am penaltized with a late fee and interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I used my Chase Ultimate Rewards points to book a flight on XXXX XXXX from XXXX to XXXX with a stopover in XXXX XXXX scheduled to depart on XX/XX/XXXX. On XX/XX/XXXX I discovered that the flight had been cancelled. I contacted Chase Ultimate Rewards to refund my points so that I can make alternative arrangements. Chase Ultimate Rewards has refused to refund the points claiming that " it is up to the airline '' however US DOT rules require airlines to refund passengers for cancelled flights, and as the issuing agent Chase is also responsible to refund the points. Chase reached out to me again in XXXX by email notifying me that the flight had been cancelled and asking if I wanted to get a refund or boo an alternative flight ( although no flight to XXXX   is/was available ) I requested a refund. However, when I called to see if the refund had been processed I was again told that Chase would take no action unless they heard first from XXXX  XXXX ( which has been completely unresponsive ). They have shirked all responsibility to their customer as both a financial institution and an agent.

Company response to consumer: Closed with non-monetary relief