vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
on XX/XX/2021, i sent online information service a 2nd request with the alleged tradeline from XXXX XXXX, i am asking for This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX  or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX/ XXXX  store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX MRS associates and XXXX XXXX who are two different debt collection agencies are asking me to pay different amounts. MRS associates threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX  when I received the email from MRS associates and they told me I owed money. I told them I was already disputing the amount I owed with MSR associates. XXXX  said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX, XXXX XXXX and MRS accociates all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.

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 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Hello, I have an account with the XXXX XXXX called 'Binance.us ' and I have an account with the crypto wallet called 'XXXX  '. On the XX/XX/2021 I transferred XXXX Shares of the crypto called XXXX, or XXXX  for short, from XXXX to Binance.us. I never received my crypto on the exchange Binance.us and I contacted both XXXX and Binance.us to see what had happend. Only XXXX has responded and they said it cleared. Binance.us has yet to respond with any type of notice and I am at risk of losing money by not having my cryptocurrency readily available for me to trade!! 

This transfer issue happened again yesterday the XX/XX/2021. When I transferred again a different crypto this time from XXXX to Binance.us. This time the crypto is called XXXX, or XXXX for short, at total of XXXX shares. I have emailed about this issue and have not received a response. 

I am done doing business with this company Bianance.us as soon as I get my cryptocurrency back. Please help me in any way possible. This company does not have any phone support line and only emails. This is wrong what they are doing. Also, I want to add that I checked the address from where these two transactions were being sent to where they were going, multiple multiple times and I have the transaction IDs to prove it. I also have screenshots of my transactions to provide. Thanks! 

-XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX- 1st car loan- in accident in 2015. Car was towed. Impound yard tried to charge $ XXXX for storage. They sold the car at auction. Had no options to resolve matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: NY

Complaint narrative:
I was charged for something I did not order. The bank insists I made the purchase, ignores my requests for them to provide me with their " proof '', ignores the information i provided which supports my claim that I did not purchase the product. 

I am submitting to you my full explanation to the bank, which explains the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
To Whom it May Concern : I am having the worst experience with the " loan depot '' servicing department in New Jersey. Every time I call I am put on hold for over 30 minutes. Currently, I am on hold with the new jersey office for over 41 minutes with no response. I called an hour ago and was able to reach a representative who put me on hold to look into my account and the call was dropped. I had the most amazing experience on the financing side so this is completely disheartening. I made a {$710.00} payment on XX/XX/XXXX and it was never credited to my account because my bank had blocked my bank draft for XX/XX/XXXX. Loan depot is now trying to send me to collections saying I am behind by one payment and hasn't credited this {$710.00} payment to my account. I also made a full payment of {$1200.00} on XX/XX/XXXX as well. This is going to affect my credit horribly, so I am trying to get this addressed by the end of the month. My {$710.00} payment was pulled from my account but is not credited towards my mortgage and is lost somewhere. That is a large sum of money to have just sitting out in the atmosphere. I have also sent two emails through my payment portal ( see attached screenshot ) that have gone unanswered. I emailed XXXX ' on XX/XX/XXXX as directed by the new jersey office with my bank statement showing the money pulled out. Then, today I was told that was the wrong email and it needs to be sent to XXXX. I emailed them today and I have receipts of every phone call and email I've sent. 

Please see the attached supporting documents and all the emails that have gone unanswered. I can not correct the issue because the communication and customer service has been awful. I have called over 20 times between XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo was helping me refinance my home. I wanted to take out some of the equity out of my home to pay off two credit cards, purchase a new roof and a new HVAC system for my house. 

This and lowering my interest rate was the reason for the refinance. The loan officer, XXXX XXXX and the underwriters knew my intention was just to pay off these two cards. 

I was told I had to close both of my credit cards in order to refinance my home by XXXX who said the underwriters were requiring that. 

I was concerned about closing both cards, having had one of my cards for 35 years and the other one for 8 years. I believed XXXX when I asked if it would effect my credit score and was told it would not. 

My interest rate went up rather than down. 

I am a widow and believed what I was told. My mistake was in believing them. Thinking that a bank as big as Wells Fargo would not lie to their customers. 

I had never been late on a payment on either card or missed a payment. Since I have learned my credit score took a huge hit when losing so much credit history. I have contacted the bank to make a formal compliant.

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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Sunday XXXX XXXX, 2021 I reported a fraudulent transaction on my Capital One Checking a/c to Cap. One Customer Service. The fraud unit ( Customer Investigation Unit ) was closed so I could only place a consumer directed hold on the account to prevent further fraudulent debits. 

Monday being a bank holiday, I had to wait till XXXX XX/XX/XXXX to reach the Capital One fraud unit. My conversation with the representative was very odd, there was no recognition of the fraudulent nature of the transaction, I was given no case number, no timeframe for response, nothing was said about protecting my account. 

A day later a phone message said to call Capital One, but the number given was not answered and there was no voicemail. 

When I called Capital One customer service I was told, after one hour on the phone that I must appear at the bank branch to sign an affidavit reporting the fraud. 

Today, XXXX XXXX XXXX, 2021 I appeared at the branch where filed the required affidavit. I still do not have a case number or any expectation of a response or resolution from Capital One. I asked for a copy of the affidavit and was denied this request. 

I am reporting this issue because the 'electronic ' check, issued by Capital One is clearly fraudulent, the debit to my account is clearly fraudulent, and the activity is out of character with any account activity. 

The fraudulent electronic check has no signature of any kind, there is no endorsement by me on the back of the check and yet Capital One has said that electronic checks of this nature are acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 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 sent multiple letters to XXXX XXXX to resolve the issue on the collection account which is not mine. After several months the account still shows on my equifax credit file. I again started to dialog with them about why the account still shows up on equifax. they have not sent the requested documentation nor responded to any of my requests which is against the FCRA. My last letter, third in the last 90 days, dated XXXX was returned to sender. 

I have sent duplicate letters to the three addresses listed for them which includes the one on my credit report and they have not responded in any fashion. 

The addresses include : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX I received one return to sender and zero correspondence. 
I have called the associated numbers and have been told someone should back to me and non-one ever does. this is effecting my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
PORTFOLIO RECOVERY add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am having a huge problem with Barclays Credit Card Department. 

My name is XXXX XXXX and I am suffering from the negligence by the customer service agents of Barclays Bank. This has gone on far too long. 

Below breaks down XXXX accounts I have with Barclays : Account # XXXX XX/XX/XXXX of 2019 Bal {$1300.00} Barclay XXXX Account # XXXX Barclays XXXX XXXX Bal. {$2500.00} - Closed by XXXX Every time I call to make a payment, they would say they no longer handle the account. 
Unfortunately they were referring only to the XXXX account. Very misleading. 

I have spoken with XXXX who is a supervisor. XXXX XXXX ID XXXX XXXX They admitted fault for not collecting properly and this has caused continuous damage to my credit report. 

I am asking for a good will adjustment to my credit. I am requesting a deletion of both accounts. Please help me. I am a hard worker and trying to by a home for my family and this bank is not practicing the fair debt collection process.

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 2021-02-19 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Mercedes Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Mercedes Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I deposited a Business Check in Ms. XXXX XXXX bank account, Account # ending XXXX in the amount of {$800.00}. The check was written out to her sister whose name is XXXX XXXX by mistake. JP Morgan Chase flogged the transaction as fraud and ask Ms. XXXX XXXX to close her account a open a new one. Chase refused to give the recipient the {$800.00} and also refused to return the funds back to my XXXX XXXX XXXX account. I have spoken to my bank which is XXXX XXXX XXXX and they said that Chase needs to contact them to return the funds. I have contacted JP Morgan Chase also, along with Ms. XXXX XXXX and to date, JP Morgan Chase still refused to return my {$800.00}. This matter have been going on for 45 days now and to date JP Morgan Chase wants to keep the {$800.00} and not the return the funds. I am requesting JP Morgan Chase to return the funds to my bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA fees I am in The Texas snow storm where I am snowed in dont have internet or didnt until yesterday even on my phone. 

BBVA charges me overdraft fees and is refusing to work with me on them yet their branches were closed. No ATMs worked due to power outages. I didnt have any way to do banking. 

Multiple fees where most banks fee a max of 1 especially if you had money in other accounts to cover it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was a victim of identity theft or my identity was compromised the following accounts and debts showing on my account I did not own I have no knowledge of the debts I became aware of it on the date XX/XX/XXXX and I added fraud alert on my account on XX/XX/XXXX which I have on my following account and I am trying to resolve these two accounts and disputed with midland funding and which I don't know off these two accounts one with XXXX XXXX and one with the XXXX XXXX I already submitted a dispute on XX/XX/XXXX with credit bureau XXXX and the dispute was not in my favor I have also added a security fraud alert with XXXX I request for the removal of the debts and update my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit bureaus are reporting false information on my credit reports. They are reporting late payment and charge-off accounts that do NOT belong to me. 

LATE PAYMENTS : 1 ) XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX CHARGE-OFF ACCOUNTS 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief