vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
HAPPY MONDAY & hoping you're doing well during COVID because most of us here are struggling both personally and financially. I was shocked when I reviewed my credit report Today and found that you marked me late on my credit for being 30 days on XX/XX/2020 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
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 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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Hi! I do not need help solving an ongoing issue personally but feel this needs to be reported for benefit of other consumers. This lender participates in some misleading/deceptive practices, and in my interaction with them had the following occur : 1. Attempted to compel me to pay an " advance application fee '' before agreeing to terms of the loan. The fee was ( intentionally? ) mislabeled as an " Appraisal Fee '' in the process menu but the document itself and corresponding content made it clear it was an advance application junk fee. 

2. I was sent a preliminary estimate but the terms were subject to change at any time. The lender made no effort to clarify whether or not the rate and terms were locked or if they would change after paying the advance fee. 

3. The company 's agent made no effort to explain the fundamental mortgage loan aspects, such as changing rates, rate locks, closing cost overview etc before asking for the advance fee. 

4. Hides fees so that in effect the actual terms are higher than those advertised online. 

5. The company did not respond to me when I reported these concerns via phone or email. I suspect they are well aware of the nature of their process. 

6. I see this company has a previous judgement for similar behavior and suspect they are straddling the lines of legality at best and have likely crossed them several times advertently or inadvertently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
: 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 2020-09-21 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: TX

Complaint narrative:
I had a fraudulent charge on my Capitol One credit card on XX/XX/XXXX from a merchant XXXX charge # XXXX for {$29.00}, I called Capital one and they cancelled my card and issued me a replacement card at which was fraudulently charged again my merchant XXXX charge # XXXX for {$29.00} on XX/XX/XXXX. I called both Capitol One and XXXX to inform of this fraudulent charge and Capitol One cancelled the card and reissued me a new one on  XX/XX/XXXX, at this point I lock the card in the Capitol One app. The Capitol One rep stated that MasterCard was probably releasing my updated card info to XXXX to be charged and stated that I should contact them. I contacted MasterCard and they stated Capitol One would be the entity that needed to handle my compromised info. I contacted XXXX merchant to advise my card was being charged fraudulently by their company by a user at which the XXXX rep stated they shut down the users account and marked it as fraud. On XX/XX/XXXX I receive an email notification that a {$29.00} XXXX charge # XXXX was attempted on my newly issued card Capitol One had issued me on XX/XX/XXXX that I had not yet received by the mail however the charge did not go through because I had locked the card. I called Capitol One and they stated they would complete a form to " block '' charges from the company XXXX from charging my card and it could take 5 business days. They did not cancel my card not that it would do any good since somehow someone is still obtaining my card info to charge. The Capitol one rep stated that the person fraudulently using my card possibly has my routing and account number for my Credit Card so no matter how many times I change my card number they still have access to my account. This is absurd, I have since had another email notification that this person whoever it may be has attempted to charge my card on XX/XX/XXXX in the amount of {$29.00} XXXX Charge # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have received regularly letters from LVNV about a debt that I do not recognize and it is hurting my credit report. The letters indicate it is already past the statute of limitations and yet it still shows and hurts my report. They never made me aware of the fact that I could dispute this debt and have it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check my credit. I notice that they where inaccurate Accounts on my credit

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 2020-09-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
Myself and my lawyer XXXX XXXX XXXX XXXX XXXX XXXX   have been trying for almost a year to get items removed ( that should not be on my credit report ) aswell as to actually trying to speak to someone regarding my report. My lawyer has contacted equifax many times on my behalf, I also have contacted them, to discuss the issue and to get an updated credit report. Since writing this I have requested a credit report three separate times over the past few months and still have not received it?! Also my lawyer has sat on the phone trying to get the information and she has been told that information can not be given to her without my consent, which I have given. This matter has cost me greatly, I have had to take a higher interest mortgage in XXXX of this year because of lack of communication on the part of Equifax.The items that were supposed to be removed after my lawyer working on this for months, STILL have not been removed to our knowledge as for some reason equifax will not provide an updated disclosure. My lawyer and I are considering my options which do include suing the company regarding the matter. I would appreciate if someone got back to me regarding this most stressful issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: FL

Complaint narrative:
Several online disputes have been sent to Transunion directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the dark web. Yet, Transunion has repeatedly refused to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they reported that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!

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 2020-09-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax sent a notification to the cfpb about a ongoing investigation. Investigation took over 30 days and all they did was put a remark on the illegal collection account. I was balance billed by The XXXX XXXX XXXX and it was sent to XXXX XXXX and reprted to equifax as derogatory. 
Balance billing is illegal in pennsylvania. As i am on the federal XXXX and state XXXX program. Please delte off of credit report under state law if crpb can not be apart of this please refer complaint to the appropriate state or federal authority rather then close the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CITIBANK, N.A.
State: NM

Complaint narrative:
In mid XXXX my Citi credit card bill showed charges for XXXX services. I called Citi and disputed the charges. I informed them that I have never used XXXX. They closed my account and issued a new card. I did not use the card for some time and when i looked at my online statement three weeks later there were now nearly {$5000.00} in XXXX charges. I called to ask how that could happen. They admitted that the charges had occurred on XXXX XXXX and that they had automatically updated my card number on XXXX XXXX  and that they had deals with merchants like XXXX and had updated XXXX autopay with the new number. I again informed them that I have never used XXXX and do not have an account with them let alone an autopay. I disputed every XXXX charge. They again closed my account and issued a new card. A week later i received a letter reminding me to update my XXXX autopay because there were charges pending. I again checked my online statement and discovered that less than half of the XXXX charges showed as under dispute. On XX/XX/XXXX, I received a letter stating that since my phone was in my possession there was no fraud in I owed XXXX.. I again called them and again told them that I do not have an XXXX account. On XX/XX/XXXX I received another letter stating that since my phone was in my possession there was no fraud and now I owe {$5400.00}. Interest charges are accumulating and my credit score has already dropped fifty points. The letters also state that if i do not pay they will report to all three credit agencies that my account is past due. They have also repeatedly refused to tell me where the XXXX charges occurred. This is the treatment that i get after being a Citi customer for 29 years.

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 2020-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime
State: GA

Complaint narrative:
I purchased a used car from DriveTime/XXXX in XX/XX/XXXX. I was encouraged to purchase extended warranties to the tune of $ XXXX. In XX/XX/XXXX I learned that the vehicle was losing coolant. I would add coolant and continue to do maintenance with oil changes until XX/XX/XXXX when I took the vehicle to the dealership and learned that the engine needed to be replaced. I notified DriveTime and I was given 800 # s for customer service but did not gain information as to how to get help. So, I had to rent cars so that I could get to and from work, causing me another hardship as rental cars were not in my original budget. I continued to try and pay the note on the car along with my other bills. When I was laid off at the end of XX/XX/XXXX, I began to re-contact DriveTime/XXXX and was told to take the car to their mechanics at XXXX XXXX in XX/XX/XXXX. Initially I was told that they would replace the engine and then they changed their mind. I asked to know who the adjuster was and how to contact that person and was not given any information. I recently spoke to an attorney about my contract and was informed that I would have to go thru an Arbitrator before I could take them to court. I can't afford to pay an Arbitrator an hourly fee, pay my original bills and fulfill a contract of {$30000.00} over 5 years and 8 months on a car that is worth less than $ XXXX. I went to this car dealership trusting them to stand behind the products that they sold me. Now they do not want to honor their XXXX 5 yr, 50,000 mile warranty that should protect this cars engine.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit. I notice that they where inaccurate Accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I check my credit. I notice that they where inaccurate Accounts on my credit

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 2020-09-21 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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