vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Fifth Third Bank is calling our number sometimes 3 times per day for someone who does not live here. They've been told the person doesn't live here and to stop calling, but they relentlessly call using various robo-dialers and sometimes fake numbers because now we've blocked them. This is the phone of an XXXX year old woman, not the XXXX year old they are looking for. They're harassing an elderly woman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an email letter that Capital One has closed my account on XX/XX/2020 due to inactivity. I log in to this website one a month and ensure the balance, rewards, and account status is active. I called Capital One and spoke with XXXX who stated he could not open account. I am aware that a card issuer has no duty to warn of an account closer however I believe under the current circumstances which our nation is facing, the action by the issuer is calculated to lower the credit scores of Americans including myself, as well as take away a life line during this time of crisis for unexpected bills, such as ones I am incurring due to two recent XXXX  and was consider leaning on rather than liquidating other assets such as stock holdings. 
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By forcing this decision on the consumer, the average American such as myself are being forced to decide between long term financial health, comprising savings and investments because companies like Capital One are selectively utilizing their power over persons to increase reduce creditworthiness and increase interest rates thus profiting unfairly. 
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By taking away open credit at this time for someone who is in good standing but not utilizing their available credit, the company is complicit in a scheme perpetrated by many banks to manipulate the credit market, lowering consumer credit scores and thus using this tactic to increase card rates when consumers go to re-establish credit lines. I can only assume Capital One has more instances of this sort of behavior. They also advise accounts can not be reopened however it is well documented this is in fact not the case. 
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In short - Capital One sees that I have a good credit score, that I pay my bills on time, and that by closing my account ( one of my oldest accounts ) it will negatively effect that score ( due to age and revolving utilization ). This is a calculated move made by ALL in the banking industry under the guise of removing " inactivity '' from their rolls, but what is really does is punish those like me for responsible credit usage. This is something they collude with other banks to do ( the industry as a whole has a tacit understanding of how this works ) to increase their bottom line. I am a victim of this and the CFPB no doubt can look at their complaints and see Capital One engages in this pattern of corrupt activity. 
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As recently as XX/XX/2020 news media reports have eluded to this tactic which I am now victim to - see article from XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
The vehicle loan was a subprime loan with Santander Consumer USA. They sent the account to collections with a company called XXXX XXXX XXXX. I have not had this vehicle in my possession for over 7 year 's. They repossessed the car back in 2013. I have asked them to remove this account off my credit report on several occasions. They didn't do the proper procedures. They sold the vehicle and still stated I owed more than the vehicle was worth. They originally sold the vehicle to me for {$17000.00}. I paid on this vehicle for 6 years and they still said I owed {$10000.00}. They claimed they sold the vehicle for {$1500.00}. I never received ANY legal documents proving that's what they really sold it for. They currently have it on my credit reports as a balance of {$7300.00}. None of these numbers add up. And I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have two residential home loans with Wells Fargo Home Mortgage. Loan # XXXX which has now been converted to # XXXX and Loan # XXXX which has now been converted to # XXXX. 
Wells Fargo falsely reported derogatorily 5 late payments on my Credit Report for nearly 5 years! In XXXX, I began appealing in XXXX to Wells Fargo regarding this derogatory late payment reports to be removed from my credit reporting. In the letters attached from Wells Fargo representative XXXX XXXX, dated XX/XX/XXXX, representations were made that these derogatory remarks would be removed. 
Prior to this false late payment credit reporting by Wells Fargo, my FICO scores were in the low 800s and I had not had one single derogatory credit reporting in over 30 years! Since this false late payment credit reporting by Wells Fargo, my FICO scores have plummeted into the 600s! 
This false credit reporting by Wells Fargo caused me to be denied credit several times, be charged higher interest rates and I have been unable to refinance my home to a lower interest rate! 
XXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX A federal judge has refused to throw out a lawsuit by borrowers who claim that their banks wrongfully notified credit reporting agencies that thousands of home owners had gone through bankruptcies or foreclosures. The judge said that Wells Fargo and XXXX will have to face accusations in court from borrowers who accuse the banks of allegedly providing inaccurate information to a credit reporting agency and jeopardizing consumers ' ability to get new loans. A spokesman for XXXX denied the allegations, and a spokesman for Wells Fargo had not yet responded to media calls for comment. The lawsuit, filed by borrowers, alleges reporting inaccuracies to credit-reporting agency XXXX  after borrowers sold their homes in a short sale. A group of mortgage customers from XXXX and Wells Fargo are accusing the banks of failing to report the transactions as short sales to XXXX  but instead reporting them as foreclosures or bankruptcies. They also allege in the lawsuit that the banks failed to correct the reports when they were disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the lawsuit, accused by borrowers of failing to properly investigate when borrowers complained. 
Source : XXXX, Wells Lose Bid to End Lawsuit Over Credit Reports, 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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I when and apply for a personal loan on XX/XX/XXXX got a proof for {$500.00}. On XX/XX/XXXX I was making {$2000.00} per month and I was refinancing my car making payments of {$360.00} my remaining loan was at {$12000.00} that was the only thing that I hade on my credit. On XX/XX/XXXX I when and apply for a loan the same amount and did not got qualify. I toll them to check the application because the person that I was talking to did not know what he was doing. I stars to explaining them that I am making more money today then before and my credit on XX/XX/XXXX was at XXXX fico and now is at XXXX fico my car loan is at {$7500.00} that means that XXXX less then before. I have a credit car from XXXX  XXXX my balance now is at {$50.00} and my credit is for {$500.00} I have never miss payment from credit card there are always on time. Now I am making around {$1700.00} more that is {$3700.00} per month and my bills remand the same. The loan that a took from them I never miss payments and my payments there were always on time plus I received a offer from them because I finish paying my first loan gave them reservation number that came with the offer that was going to expires on XX/XX/XXXX. They did not do nothing to fix the problem and its affecting me I can not ask for another loan for 90 days days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital One closed my account for non use ( only two years ). This is exactly what consumers do not need right now with the Covid-19 issue. This closure hurts my credit and it was down with no warning and is Un-American.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Received an email that my XXXX credit card had been closed since " It's been over 2 years '' since using the card ; however, there was no prior notification notifying me the card would be closed if NOT used within a certain time frame, and the most recent activity I had was redeeming rewards from the credit card dropping my rewards to XXXX. 

It seems the reasoning is just a pacification and an false excuse to close card accounts after a couple months of most businesses being shut down due to COVID-19 in an effort to block businesses from using cards as they come out of COVID-19.

It is not that we were going to use the card. It just looks very suspicious. Plus, if we wanted an active card from this card company, we now have to reapply which will affect credit scores. It was just nice having a card on hand " just in case. '' It also helped show our credit worthiness. Closing a card for a card holder who is has proven to be a responsible card holder, just shows poorly on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: NC

Complaint narrative:
I've sent several times to Experian fraud department a police report and FTC report with court records showing the loans through XXXX and XXXX and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several XXXX  for XXXX XXXX XXXX XXXX  for using my identity. Those three auto loans are not mine. Please remove

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX charged {$860.00} & {$350.00} on XX/XX/XXXX, a full week after authorized to charge ending up in over {$1200.00} in overcharges in my account, which shouldnt even be able to overdraft XXXX,  let alone {$1200.00}. I was spending my COVID stimulus on XXXX and the balance was released back to my account apparently on XXXX but the authorisation still took money out on XX/XX/XXXX when it should have expired 3 days after not being charged on XXXX ( XXXX at the latest! ). Difficult events to thoroughly & efficiently explain but tell me what clarifications you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
I was involved in a motor vehicle accident in late XXXX of 2020. I was the driver at fault, and in XXXX, my insurance company reached a settlement with the other party 's insurance company. I received a letter from an unknown debt collection agency named " Jonathan Neils & Associates, Inc '' in late XXXX. In the initial letter, it stated in large print : " SEVEN DAY NOTICE '' regarding an accident in XXXX. I initially thought that it had to do something with the accident I had in XXXX. It stated that I owed " {$1600.00} '' in remaining damages to an insurance company I had never heard of in my life. I told JNA that I did not have that much money, that I am low-income, that I am too young and a XXXX XXXX. They sent me a " contract '' to sign and pay {$140.00} a month, so I made my first payment of {$140.00}. After further analysis with my insurance company, they said that the claim was settled a long time ago and that I had no liens or debts charged against me. I even faxed JNA the property release form and they claimed that they " did not understand '' what it was about. I realized that JNA was a fraudulent debt collection agency and that I wasn't the only victim in this. Several others fell victim to this agency as I was looking at the reviews of JNA online. I talked to my legal provider and I had them write a formal cease and desist letter for them to refrain any contact with me and to drop all " charges ''. Their claim number and stories were bogus, and when I called them, they switched their stories from one insurance company to another. None of their information was true. I want this agency to be held responsible for their federal crimes. These people almost made an XXXX pay almost {$2000.00} to pay for nothing. Unbelievable people that exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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