vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TX

Complaint narrative:
Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XX/XX/XXXXacct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XXXX XXXX, 2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XX/XX/XXXX XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XX/XX/XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.

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 2019-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My issue is with Bank of America. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XX/XX/XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX area. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.

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 2019-11-06 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: MA

Complaint narrative:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.

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 2019-11-06 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: MA

Complaint narrative:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My issue is with XXXX XXXX XXXX. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX XXXX. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.

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 2019-11-06 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: Firstsource Business Process Services, LLC
State: MA

Complaint narrative:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Attached please find my FTC Identity Theft Report, a letter received this day threatening me legal action for accounts that are Identity Theft. I also received numerous phone calls daily harassing a XXXX year old woman for accounts not belonging to me. Stop calling and stop sending me threatening letters I am protected under Federal law. 

Also attached is a section I was directed to on the FTC website while speaking to the FTC today ... specifically asked a section called Knowing My Rights. Which says .... 

Stop a debt collector from contacting you. In most cases, debt collectors must stop contacting you after you send them a letter telling them to stop. 

Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Stop harassing 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 2019-11-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
sent me a summons in mail to address I don't live to go court in XXXX I told them before this that the account was turned over to XXXX XXXX XXXX  6 months ago and they will handle it

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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I paid our mortgage on Freedom Mortgages website on XX/XX/. The website failed to load the first time and I had to log in again, but only paid and hit submit once. I checked my email to make sure the payment went through and got one confirmation notice email that it had been paid. Today on XXXX I tried to use my debit card and it would not work. I checked online and found my account severely overdrawn. I saw that our mortgage had been taken out twice - once on XX/XX/ and again on XXXX. I called the mortgage company to ask that they correct the mistake and refund the second amount. I was told I would have to fill out paperwork, send a copy of proof from the bank that it was taken out twice ( even though it showed that it had in their system and when I logged into my mortgage account ), and then it would take 7-10 days for me to receive a refund check. I asked about the complaint process and was told that would take even longer - I could submit it online and they would reply within two weeks. In the meantime, my bank account would continue to collect overdraft fees and we would have no funds available for gas, food, or other necessities. The representative asked if I would like to set my payment up on automatic withdraw. Obviously I declined. I will instead mail a check in monthly so that they have no further opportunities to double charge 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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX. That number calls multiple times a day. My payments arent late yet they call early in the morning and late at night. One day they called 12 times. I looked up the number and other complaints and it says it's from synchrony bank.

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 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
The mortgage company charged thousands more at closing than should have been charged and never fixed it or offered refund. Even escrow company questions why they changed the balance amount by more than 10k than what we owed. We want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX I filed for a due date change due to not having enough funds in my account. Which my car note is XXXX. Well after changing jobs and taking a severe pay cut. I tried to change my due date around XX/XX/XXXX and I was unable to. And I wasn't told weather I could or couldn't change my date a second time several months down the road until I called in. Nowhere on their app was this stated. 
Well it is XX/XX/XXXX and I made my late payment of XXXX $ little did I know I wasn't able to pay it so tired to cancel it after I got home from work. I was unable to cause the option was no longer there. I was not informed that I wasn't allowed to cancel after a certain time which was right after XXXX. Also, around the time I would have normally gotten off work. I don't get home until after XXXX because I have to get my XXXX from daycare. And being as most of the time i work without taking my break being as busy as it is during the morning towards the night I was unable to call or cancel if I would have known the cut off time. 
So I called and they told me that they couldn't cancel it at all. they told me to call my bank my bank would tell me to wait til it is process and file a dispute report which can take days to a week. 
I want people to be aware of the type of business they run. Not really helpful when it comes to due date changes or payments. Also not informing their consumers about their terms. They tried to knock off the late fee which was a whole XXXX XXXX I didn't care about them trying to come to an agreement by bribing me with taking the late fee away. What they can do is offer customers a change of date or you know actual assistance instead of this now their may be an overdraft when all is said and done. congrats capital one for doing what you do best XXXX people over and causing more of hardship for people that are currently struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
I currently hold the bank 's XXXX XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the XXXX XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I became aware of these changes on or around XX/XX/XXXX. On XX/XX/XXXX, I contacted the bank at the 800 number listed on the back of the card and was referred to my banker for further discussion. My banker advised me that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not. 

In my previous experiences with other nationally recognized banks, a grace period would be extended following the billing of an annual fee to a card account. This provides the cardmember with some time to consider whether the product has been a good fit, and whether or not said cardmember is interested in renewing for another year. In light of the above changes which were not disclosed prior and for which adequate time was not provided for customers to consider, the very least that City National Bank can do is offer such a grace period to its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2019 I checked my credit and this was on it American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter to my house stating that my former apartment complex The XXXX XXXX XXXX XXXX had sent me to collections ( Southern Management Systems ) for an overdue amount of {$120.00}. 
After speaking with a representative from Southern Management Systems, they told me that I would have to dispute it through them as well as speak to the apartment complex. I got in touch with the apartment complex and they told me that they could not speak to me about a former resident and that this had already been sent off to collections. Additionally, I had placed a security deposit down in XXXX when I initially signed my lease and XXXX  XXXX is claiming that since they were under different management at that time that there is no way for me to get this security deposit and/or have that money go towards this overdue balance they are charging me for. 
I went ahead and sent a letter to Southern Management Systems stating that this is a fraudulent balance and I had never gotten any information from XXXX XXXX about this overdue balance and this is an issue I would like to take care of in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: KS

Complaint narrative:
I keep getting harrassed by repeated calls and they are repeatedly calling people I know, also told my roommate to have me call them, so that is in federal violation of law ....

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 2019-11-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many many accounts on my credit report with XXXX, experian, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.

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 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Arivo Acceptance, LLC
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation