vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: AZ

Complaint narrative:
This was a payday account with XXXX XXXX, a debt collector Vance and Huffman LLC reported the negative item on XX/XX/2021. They had bought off payday loan debt from XXXX XXXX and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with Vance and Huffman LLC. This should be remove/dispute off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group
State: CA

Complaint narrative:
I am trying to refinance my house which was passed on to me from my deceased mother. 
My mother passed away in XX/XX/XXXX her estate went through probate. Everything was cleared. 
Now I get a notice from the credit card company, XXXX that in XXXX I opened a credit card ( which I did not ) and its blocking me from refinancing my house cause some how they tied it into my mother house which became mine in XXXX. The amount is {$14000.00} I asked for proof that it was me and they didnt send me anything but a letter saying they conducted an investigation and everything is as it should be. 
The other thing is in XX/XX/XXXX I was not even in America so how was this card made? 
I tried to tell them it wasnt me but they are not even listening especially to a debt from 21 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
*Please note : I have all supporting documents but they exceed the allowed file size, please advise an alternative method to submit. 

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to RESURGENT CAPITAL RESOURCES, XXXX XXXX AND XXXX  XX/XX/2021, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. RESURGENT CAPITAL SERVICES, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
XXXX  XXXX  has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX  at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: ERC
State: FL

Complaint narrative:
I sent disputes regarding a delinquent account and never received a response from Enhanced Recovery Company, it has been over 30 days. My FCRA/FDCPA rights have been violated for failure to respond in a timely fashion and failure to delete inaccurate/erroneous information! 

Date Opened : XXXX is not reported ; XXXXXXXX is XX/XX/2018 ; and XXXX XXXX is XX/XX/2018. 2 different open dates how is that possible Please explain?? 

Payment History Profile fields are inconsistent and inaccurate They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

also upon further research this company has over 500 complaints on CFPB and multiple complaints with the CFPB Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
Called and left this voice mail to myself, mother, father and sister This message is intended for XXXX this is XXXX XXXX contacting you in regards to your claim being filed in XXXX XXXX by law I do have to make you aware ma'am that once your claim claim number XXXX XXXXXXXX is filed it becomes a matter of public record and there will be an order of location issued out for you since I was unable to reach you by phone I've been instructed to contact your employer and speak with your supervisor because it looks like that might be her likely place location you do have the legal right to contact the proceedings office handling your claim however you would need to speak with them before your claim is filed once the claimant this is discharge from their office all of your legal braids will be forfeited the phone number provided for that legal department is XXXX and the file number that you'll need to reference is XXXX this is considered a legal notification by telephone for XXXX and he will be located most were told otherwise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX, I had received a text message which looked like an automated XXXX XXXX XXXX text message to inform me that there was a zelle transaction to " X '' for {$3500.00}. If I did not complete this transaction to text HELP. Which then I replied HELP, because it was not a transaction I completed. 

I was then called from the XXXX XXXX XXXX Fraud Department caller ID, which I had memorized. 

I was then asked to by the voice on the other end to check my zelle account which seemed to be linked to an unknown name. 

They had told me at this point, I needed to text myself the {$3500.00} to confirm my account. They also proceeded to tell me that a zelle fraud was also linked to my business account. 

I followed the instructions and zelle my own phone number {$3500.00} ( personal account ) and {$800.00} ( business account ). Which I thought was safe because it was my own number. 

They told me I would receive an email from XXXX with what to do next for precaution. I never received the email, nor my money back, so with worry that my bank account was now negative, I called XXXX. Then I was informed the call was the scam and because of this I would not see any of my money back. 

I did not send money to any I knew or did not know. I sent money to someone I trusted. Myself. However, XXXX still will not see this as fraud and therefore they have refused to help me see {$4200.00} or any bit of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
I was locked in with an interest rate of 2.5 percent for a 30-year term for 45 days on XX/XX/2021. Upon receiving my closing disclosure on XX/XX/2021, my interest rate now reflects 2.875. I paid {$500.00} to lock in this rate and was at the point of closing until I was told the rate went up during the lock period and was not notified of such without acknowledging the Closing Disclosures first. This is a clear bait-and-switch scheme.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XX/XX/2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted XXXX, Wells Fargo, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my XXXX  report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from WFDS Wells Fargo Dealership Services. Which Wells Fargo Auto confirmed they stop using 3 years ago. It also is being reported on my XXXX  credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and WFDS inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management sent me a letter for a alleged debt in XX/XX/2021. I responded XX/XX/2021 via certified mail requesting validation of this alleged debt as per 15 usc 1692g. Midland Credit Management responded to my certified letter requesting a attorney information and not validating the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records. 

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I applied for a Chase credit card online around XXXX. On XX/XX/XXXX I got a letter in the mail from Chase stating that they were concerned that someone was using my personal information fraudulently and declined an application because of this. It was reference number : XXXX. It stated to contact them if the application was valid. I had called them multiple times, between 5-10 times and each time someone would keep telling me they had to transfer me to another department over and over. Every time someone would pick up from the next department, they would say I need to call another department or they couldn't help me. The last time I had called I was just extremely frustrated, I believe I called Lending services because that is where someone told me to call, I called during operation hours and I was on hold for 2 hours 39 minutes before I gave up. No one ever helped me clear this " fraud '' or helped me with my credit card application. I believe they denied my credit card because I told them that I either used one of 2 addresses I live at, but I wasn't sure of which one, but I explained to them I had just moved. They still didn't help me. Now for months I have been unable to apply for any other credit card companies which is affecting my credit score that I am trying to build. They have been very unhelpful throughout this whole process and the 3-4 months I have been waiting and I never got a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a Hyundai Elantra GT in XX/XX/XXXX with a maturity date of XX/XX/XXXX. I submitted full payment on XX/XX/XXXX and the required odometer disclosure statement shortly after. I started calling in XXXX once I noticed I never got the title. Customer service said oh sorry and that they would submit an " expedited request form '' and would come in 7-14 days. 3 weeks later I still have no title and call again. They constantly say that I have all the required documents and the car is paid off so they send an email to the title department to release my title. They say the title department will respond and they will leave a note on my account but everytime I call there's no update and they just send another email. It's now XX/XX/XXXX and I still have no title and today the customer service person sent yet another email to the title department after telling me I have all the required documents submitted.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: NY

Complaint narrative:
Mail from all access meta bank came in saying that I have opened an checking account and it also came with a debit card. 

I have never opened a bank account by this name

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 2021-08-17 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: Harvard Collections, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I mailed a dispute letter to XXXX XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on BBB they also have over 100 complaints with the CFPB! 

THERE IS TWO DIFFERENT ACCOUNTS BALANCES WITH THE SAME EXACT ACCOUNT NUMBER BUT DIFFERENT OPEN DATES, HOW IS THIS OBVIOUS INACCURACY POSSIBLE? PLEASE DELETE ALL 3 ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a business checking and savings account with Chase Bank NA since the early 2000 's. I recently was in process of moving over my accounts from other banks into Chase and encountered several problems regarding verifying my account. After a few months, this seem to have been resolved. When I made my federal and state tax payments, Chase froze my accounts and rejected my payments without notifying me or my private banker. This is further unacceptable as my banker was on the lookout for these payments and not told anything as well. This caused the IRS and Colorado Department of Revenue to levy huge fines and late fees. When I told Chase, they conducted an " investigation '' in which they found themselves innocent. I asked them details on the investigation and they said they are unable to provide these. They never did apologize or show any type of remorse. More of a tough luck ... we are Chase so deal with it attitude. Chase used to be a wonderful bank but is falling downhill quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have various charges to my credit report that are not mine. I never opened 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 non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed these account Due to these accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am victim of identity theft and did not make these charges whatsoever. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : 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 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( coaf, XX/XX/XXXX XXXX ), ( XXXX Card, XX/XX/XXXX ), ( XXXX XXXX XXXX ), ( Brclysbankde, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ). 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is refusing to give me my money. $ XXXX check for XXXX XXXX  . 
I went to the bank and deposited a stimulus check with my brother 's name with Valid ID and VALID POA and the bank took a copy of my ID and made a copy of my POA I was told by a Manager of Capital One to go to the branch and that I can only deposit but Not cash the check.. I did that. Capital One then put a hold on All of my accounts and frozen all of my money.. I had to fuss with them to release my money .. I've never done any fraud with banking accounts. By Capital One holding my money it has caused me to be in a hardship and I've been ill lately and i need those funds. I have told Everyone how i've had Capital One and no issues Until Now .. While in the lobby @ the XXXX location I informed this is the normal for I want the bank to give me my money ASAP. $ and a forma l apology. Capital One. They could have denied my check now they are refusing to give me the check or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
On XX/XX/21, Peroutka, Miller Klima & Peters, P.A. filed a lawsuit against me and the case was voluntary dismissed on XX/XX/21 by Klima , Peters & Daly , P.A . 

A voluntarily dismissal is admittance of wrong doing and as such, I submitted two invoices ( attached ) demanding legal remedy for federal protected consumer rights violations.

Company response to consumer: Closed with explanation