vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: KY

Complaint narrative:
( Enhanced Recovery Company ) at ( XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ) has been sending me collection notices in the amount of ( {$130.00} ) the collection opened XX/XX/2021 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: CO

Complaint narrative:
Today CITI employee asked for SSN, I protested and he corrected last 4, I don't believe this was a mistake! XX/XX/XXXX a {$100.00} XXXX XXXX XXXX was stolen immediately after it was insured, it took me until XX/XX/XXXX to realize after I checked with XXXX who gave me a fraud case number and explained it is an inside job, I shared with CIT Thank You Points person who stated the points would be returned to my Thank You Points account, they have not and in the last year over 50 calls, emails, chat and 'how we doing " responses have been ignored. I am failing to get help from their customer service, I believe Citi are deliberately blocking these points because they are about to collapse, I have also noticed that there are thousands of missing points. I need your help. I have been a customer for almost 10 years, I pay my card off each month, I'm a reliable and patient consumer, but this is it, I don't trust them I need your help. Thank you, 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 non-monetary relief
Consumer complaint received 2022-01-08 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: GA

Complaint narrative:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: MN

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Unity Asset Management
State: ID

Complaint narrative:
Collection agency contacted me out of nowhere threatening legal action over a " debt. '' Refused to state who they were, what they wanted and what the " debt '' was for. I tried to get any and all information from them but they refused to explain anything and stated that I needed to get with my attorney on the matter. They referred to a '' Federal database '' when reading off a social security number, I refused to validate personal information because they were uncooperative and refused to explain who they were, which is what they must do by actual Federal Law. 
I decided something was not right and I said you have the wrong person, the individual on the other started to get upset and demand that I continue to speak with or I was going to have to work my attorney. 
I hung up, she called immediately and left a very rude message stating that since I refused to speak to her that she would " Forward the complaint out of her office, send it " to my address '' and good luck.

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 2022-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Refinanced loans in my name fraudulently and are trying to seize property behind fake loans and it's already been proved in 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 2022-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a used car and financed {$29000.00} with Capitol One Auto Loans. I signed up online for automatic payments and chose the " weekly payments '' option offered by Capitol One. The first payment as made automatically on XX/XX/XXXX, second payment on XX/XX/XXXX but then I was charged a late fee on XX/XX/XXXX. On XX/XX/XXXX I received a call from Capitol One saying I was delinquent, I was able to get them to agree that I wasn't delinquent. As of XX/XX/XXXX my account still shows I'm delinquent and that I've been assessed a late fee. I called Capitol One today, XX/XX/XXXX, they wanted to grant me a one time late fee forgiveness but I should never have been charged a late fee in the first place. I refused the offer and got them to agree that I shouldn't have been charged a fee in the first place. They claim that they will correct my account once the claim is reviewed by another department. I'm filing this complaint because this should never have happened in the first place and if I hadn't been vigilant about checking my account I could have paid several incorrect fees and possible damaged my credit. To me this seems to be a trap set up by Capitol One to get consumers to pay fees that never should have been charged in the first place, if it happened to me it must be a common occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My complaint is in regards to Chase banking. I reported fraudulent transactions on my bank account for 3 transactions where someone accessed my account is some way, shape or form and zelled themselves 3 separate times totaling {$2200.00}. I reported this as soon as I logged in and noticed my account had went negative. I then logged into my account a couple of days ago and saw the transactions had been reversed back onto my account meaning they denied my claim but was not sent any reasonings for this denial or any letter about this denial which is unfair to me to not get any answers in regards to this. The day we noticed we changed my username, password and all account information that someone could have access to and also canceled my debit card. I need answers and need this fixed. I have never had this problem with my previous bank and switched to chase because my husband also had chase. I did not authorize these transactions and dont approve of the decision chase made in this case. It is not fair to me to be made to pay for someone elses decisions. I need this solved as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
I received a XXXX $ XXXX gift debit card for XXXX. On XX/XX/XXXX I went to XXXX to activate the card. The Card Activity report at this website shows two pending XXXX Pre-Authorization transactions dated XX/XX/XXXX, XXXX XXXX XXXX {$1.00}, California and and XXXX, XXXX XXXX , Texas {$1.00}. I only opened the package the card came in today, XX/XX/XXXX. I tried contacting the number on the back of the card to report what looks like fraudulent charges already on a card that has just been issued. There is no response to calls to this number XXXX, I am put on hold until the call eventually disconnects. I called the XXXX national number XXXX and was told they could freeze the card but I would have to call the US Bank number XXXX to get a replacement issued.it seems to me Since there is no response at that number this looks a bit suspicious. I have had XXXX freeze the card. XXXX says they will notify the bank the card has been frozen. XXXX has my personal contact information. I will make another attempt to contact US Bank for a replacement card but have been told by two XXXX representatives to call off peak. When I asked what that actually means do they mean a daily, weekly or seasonal peak I am told they do not have that information. Apparently there is no recommended time to call about fraud and actually get a response. 
By the way, a quick web search of those two charges shows many people have complained about similar pre-charges against both new credit cards and bank accounts by those same two companies.

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 2022-01-08 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: OH

Complaint narrative:
This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: OH

Complaint narrative:
This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXXXXXX XXXX XXXXXXXX # 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 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a communication from Sunrise Credit Services on XX/XX/2021, a violation of 15 U.S.C. 1692c ( a ), stating that I owe a debt, violation of 15 U.S.C. 1692b ( 2 ). 
Within that communication, Sunrise Credit Services, claimed that I owed an account balance of positive {$260.00}, a violation of 15 U.S.C. 1692e ( 2 ) ( a ). Profane language was used in their communication, violation of U.S.C. 1692d ( 2 ).

Sunrise Credit Services claimed that I have 2 accounts. A Creditor Account and an XXXX Account, a violation of 15 U.S.C. 1681 ( a ) ( 2 ) ( b ).

The communication was a form that claimed that I owe a debt, a violation of 15 U.S.C. 1692j. 
I believe, their claim that I owe a debt, is harmful to my reputation per 15 U.S.C. 1692d ( 2 ).

Sunrise Credit Services used deceptive means to coerce me into paying a debt, a violation of 15 U.S.C. 1692 ( e ) ( 10 ).

This blatant disregard of Federal Law will not be tolerated. I seek {$6000.00} in damages. I WILL NOT SETTLE.

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 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I was a XXXX XXXX customer for about 5 years then in XX/XX/XXXX I sold the house and moved into my parents home until we could buy a house I contacted XXXX XXXX to close my account out then about 2 months later I started receiving bills for disconnecting early I told them that I have been a customer for 5 years and that I had sold the home which had the service they said they would take care of it. then I started getting collection letters from a debt collector for {$240.00}, So I called XXXX XXXX asking why am I getting these letters they said it was turned over to a debt collector, So my information was illegally obtain by the debt collector. I told them I sold the house and no longer needed service there so they tried to get me to move my service to my parents house I told them my parents had cable and they said that since I didn't transfer my service I owe the debt. We purchased a home in XX/XX/XXXX the collections was still on my credit report but had been removed from my experian credit report. I hear about this action all the time but never told I would be part of it. So the damage is already done but my report should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: TX

Complaint narrative:
XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2022-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
PenFed has reported my payment history as 30 days late during the months of XXXX & XX/XX/2021. During those months I had approved skip payments on my account. The confirmation numbers are XXXX and XXXX. In XXXX of 2021 PenFed attempted unauthorized recurring payments from my bank account which looks to have caused a series of rejected payments. Reporting the XX/XX/2021 payment as 30 days late is inaccurate as well. is reporting inaccurate payment history on my credit report. This is all a violation of the FCRA.

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 2022-01-08 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: CA

Complaint narrative:
I wanted to view my credit score for an upcoming potential apartment lease, so I paid for a subscription to trans union to be able to view my credit report back in XX/XX/XXXX. I was supposed to be able to see my report and see how to better my XXXX XXXX. I used it once and then forgot about my subscription till about 2 months ago. At which point I remembered what the charge was for this website trans union. When I went to go cancel it, the website kept giving me the run around and trying to get access to my account itself was extraordinarily difficult. No matter how I tried to view my account it would never let me past the login info page. I knew what the answers to my security questions were and it continued to tell me that my answers were incorrect and that i would have to call to get help with access to it. I tried calling multiple times over the course of a few weeks along with attempting to still access my account via the login page to no avail. Finally this morning on XXXX the XXXX of XXXX, after a couple tries, I was able to talk to a representative and cancel the subscription for good. They were charging me since XX/XX/XXXX, without me being able to access the account or view my credit score, and I was unable to get anything from it past the first time I used it. In my view these charges are fraudulent / " services not rendered '' as they haven't been providing the service I was paying 20 dollars a month for. I want to be able to recoup those losses if possible, and I want to make sure the service is actually canceled.

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 2022-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
CMG Financial is the mortgage company. 

I have been trying to get answers from my mortgage company about how to submit an appraisal to get the PMI removed ( I dont want to refinance ). I called the company XXXX and used an online chat on XXXX. The customer service agent advised the ONLY way to get answers is to email this inbox XXXX. The agent couldnt provide a timeline on when I could expect an answer by emailing and said just to email. 

I emailed the company on XXXX about my query. An auto response came saying that I needed to allow up to 30 days for a response. It has been exactly 31 days and I still have not received a response. 

The company does not allow phone calls to this department and I have no other recourse. This is an unfair practice. They are not responding timely to inquiries. I am being forced to continue to pay XXXX  when my house value has increased significantly. I want someone to respond to my questions. I want access to the company who holds my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
I spoke to all 3 credit bureaus on the phone back in XXXX to ask them procedures for fraudulent items on my credit reports. They all told me to submit a dispute letter, statement, IdentityTheft.gov report, ID, social security card, and a utility bill proving my identity and address which I did back in XXXX. XXXX and XXXX removed these fraudulent items but TRANSUNION has not responded or removed them. Please help

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 2022-01-08 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: TX

Complaint narrative:
XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

Company response to consumer: Closed with explanation