vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested validation of debt pursuant to XXXX XXXX XXXX. I received a letter and a bill, which is not an adequate response according to XXXX XXXX XXXX I am requesting all documentation required. I notified Lead BANK ( Capital one ) of the identity theft fraud and yet they still claim that the account is allegedly mine. I demand Remedy of the alleged debt being removed from all reporting agencies and invoice of Federally Protected Consumer rights violations being paid in full by check pursuant to XXXX XXXX XXXX. XXXX and Remove Account. 

Pursuant to Regulation XXXX of the CFPB XXXX XXXX ( Capital One ) is in Violation. I DEMAND they be held accountable. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have received multiple conflicting information and threats of repossession after being told that making certain payments would protect me from repossession by the company. 

I received a letter saying I would have to pay {$1100.00} to bring the account current, other information telling me i would owe approximately {$1700.00} to bring the account current and then further told by an employee with ID number XXXX that i would need {$640.00} to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$540.00} XXXX XXXXXXXX {$540.00} FST XXXX {$870.00} XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME

Complaint narrative:
In XX/XX/XXXX I noticed that my statement from my mortgage company was inaccurate with the amounts that I had paid for my principal and the interest. Every month since Select Portfolio Services , Inc bought my loan from XXXX XXXX XXXX around XX/XX/XXXX I have had to continually call them to fix the separate Principal payment. They tend to put it where ever they choose. I have always kept my statements and still have most of my statements from XXXX XXXX XXXX and Select Portfolio Services. Recently they have not been fixing these errors and have even sent an incorrect 1098. I called them back in XXXX of XXXX to make sure that my Principal Payment was sent to the appropriate address and it still gets messed up. When I call and tell them to fix it they say that they are in the process of fixing it, but it has now been 3 months and it is still not correct. My Principal paid should be showing {$640.00} that I have paid so far this current year and my new mortgage payment should be due for XXXX. Instead the amount showing is {$42.00}. I pay {$300.00} a month separately to principal. They also tell me that I owe a fee of {$90.00} that was a carry over from the previous mortgage company. Which I have never had a fee from my previous mortgage company. That fee is now lower and when I asked when was it that I made a payment to this supposed fee they could not answer me. I keep very good records on my account and any payments that I make. I will have to call them again, because when I went to their web page to check my account it is showing that I am not do to pay until XXXX which is not correct and the {$300.00} principal payment has not been applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
Please be advised that as of XX/XX/2020-as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance increased my monthly payment by {$79.00} in the month of XXXX and did not provide any explanation or notice that this was being done. I was then charged a late fee because I paid the normal monthly payment not knowing they increased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I lost my credit card but i was able to use it on XXXX XXXX till i noticed there were purchases that i havent made to the point i cant even use my card anymore. I did make a payment regardless of it getting stolen so my score wouldnt be affected but i was too late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Since XX/XX/XXXX I have been disputing an item on my credit report, reported by a debt collection agency known as Transworld Systems. I have repeatedly advised that the account they are reporting does not belong to be. They sent me a copy of the bill from the original creditor, XXXX XXXX. This bill listed my name, a service address, service dates in XX/XX/XXXX, and cost of service during the service dates in XXXX. I have provided documentation, including a copy of a deed that proves the service address was not owned by me ( nor is it anyone I know ), and a copy of a lease that proves I did not reside at the service address and my address was completely different. Despite this evidence, the account continues to be reported on my credit reports. I have requested debt validation and have asked for any and all evidence/documentation used to determine account accuracy on their end. I have also advised them of my rights under the fair credit reporting act, as well as their legal obligations. They continue to tell me that they will not remove the account because they were only a 3rd party hired to collect and that they do not have any obligation to prove account accuracy. When I requested to speak with another supervisor today, they " transferred me '' but only lead to a disconnected call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have tried my best to make payments as promised. I have asked this finance company to please not contact me at my place of employment and they continue to call and harass my co workers. I'm very tired of the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX , a known bad actor, and we have been waiting years for BDTR to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX0/month. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I SENT A DISPUTE TO XXXX, EQUIFAX, AND XXXX TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I SENT A DISPUTE TO XXXX, XXXX, AND EXPERIAN TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED 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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ASTA FUNDING INC.
State: FL

Complaint narrative:
This is a debt from XXXX to XXXX cell phone service. The debt not warranted and XXXX XXXX XXXX told me after numerous call that I did not owe this money. Again this was in XXXX, I called XXXX and terminated service to my ex mother in laws phone and step daughters phone. they tried to tell me that they could deactivate the cell phones but if the other party used them it would be reactivated. I told them I would not be able to physically get the phones after numerous calls and talking to numerous people they said they would terminate the contract. No charges would be owed. This again was in XXXX. Palisades somehow bought a collection for this transaction and has filed default judgements sending any correspondence to old addresses. They filed a garnishment through my current employer and sent the notice to an address I have not lived at since XXXX. They had to know my current address as they had to pull my credit report to find my current employer and my address is listed there as well. I filed an exemption from garnishment and they did not even show up for court. I was granted the exemption and they are still calling my employer to try and get a garnishment. I am attaching the signed exemption from the judge. The judge actually emailed me the signed order of exemption to make sure they would not get any payments. This is not even a debt I owe. I didn't know anything about palisades trying to collect this debt until they contacted my employer. This again is a debt from XXXX, 18 yrs ago that was not even a debt I owed. They can't give me any proof whatsoever or even tell me what the debt is for only that it is from XXXX XXXX XXXX. I only had them as a cell provider in XXXX so that is the only thing I can think of that this cold be tied to. They will not stop contacting my employer and threatened me today that they will just keep refiling the garnishment. I will still get an exemption because i am raising my XXXX yr old granddaughter whose father passed away. I was told that they can keep on filing to make me settle the debt. I am not settling a debt I do not owe. They are basically using harassing tactics too try to force me into a settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Received letter from Capital One dated XX/XX/XXXX stating they were not servicing IRAs any longer. I had XXXX Bank complete and submit paperwork to transfer IRA. On XX/XX/XXXX my account was closed and cashiers check was sent to XXXX Bank in REGULAR mail. Check was never received. I had to fill out affidavit, have it notarized and faxed back to Capital One after waiting Capital Ones required time to see if check would arrive. Fax was sent back XX/XX/XXXX with cover letter to reissue and send reissued check by XXXX to track to make sure check was received. Manager at Capital One said due to human error wasnt sent XXXX and was reissued XX/XX/XXXX and sent once again in REGULAR mail. As of XX/XX/XXXX check has not been received by XXXX. In the meantime no interest is being paid on this amount and no check has been received. I was asked to wait until XX/XX/XXXX to see if check arrives and there was no definitive answer to what action would be done then if check is not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
UPDATE TO ALL BOA COMPLAINTS : FAILURE TO PROVE LETTER OF DENIAL YESTERDAY XX/XX/22 XXXX XXXX MEET WITH BANK OF AMERICA ( HEREIN AFTER " BOA '' ) @ THE XXXX XXXX XXXX XXXX MORTGAGE EXPERT XXXX. 
AFTER GETTING A CASHIER CHECK FOR HIS HOA DUES, ASKING WHY HIS ORDERED CHECKS STILL DO NOT ARRIVE A BOA LOCATION HAS GIVEN HIM NO CHARGE CC ' FOR THIS MONTHLY PAYMENT! 
XXXX XXXX TOOK ALL FINANCIAL INFO, STATED THAT THE MARKET VALUE OF XXXX XXXX CONDO NOW @ {$190000.00} BUT BECAUSE XXXX XXXX DEBT RATIO AFTER MONTHLY DUES, XXXX DUES, INS.UTLITIES @ ROUGHLY {$1100.00} WOULD DISQUALIFY HIM TO APPLY FOR A MORTGAGE WITH BOA. THAT XXXX XXXX WOULD NOT ACCEPT. 
THIS IN SPITE OF XXXX XXXX MORTGAGE WITH SAME FIGURES BUT A SALE PRICE OF {$100000.00} ON XXXX WERE APPROVED THRU XXXX MORTGAGE /ASSUMINGLY XXXX XXXX & ON TOP OF THAT XXXX XXXX HAS NO LATE PAYMENTS OF ANY NATURE. WITH MINOR GLICTHES ON XXXX RECENT CREDIT REPORT THAT WERE ATTEMPTED WITH COURT FILINGS THAT THE COURT FAILED BECAUSE OF COVID TO PROPERLY SCHEDULE & HEAR THE RATIONAL FAILS TO COMPARE TO THE PREVIOUS APPROVAL BY AFOREMENTIONED. 

XXXX XXXX FAILED TO PROVIDE A LETTER OF DENIAL TO BE ISSUED & CONFIRM ONE WOULD NOT BE PROVIDED. 
THIS IS WHILE BOA HAS REPORTED A CLAIM EXCESS OF CREDIT USED BY XXXX XXXX CREDIT CARD WITH THE REMIANING BALANCE CONSISTING OF DISPUTES & INTEREST.THAT THE ATTACHED NOTICE TO LITIGATE HAS BEEN SENT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State Employee Credit Union mistakenly issued XXXX debit cards in my wife 's name on our joint checking account. She lost one of these cards but did not realize it because she still had another working debit card. Fraudulent charges were made on her card. We filed a dispute. SECU did not notify us of their response within 13 days required by the Electronic funds transfer act. SECU did not provide us with provisional credit required by the EFTA during their investigation. SECU took 60 days to investigate. SECU did not provide the documents it relied on to investigate the claim as I requested pursuant to the EFTA. SECU refuse d to return phone calls, refused to provide account information about what happened during their " investigation ''. SECU state son its website, and on the mailer when we receive new debit cards that it will notify us of any suspicious or irregular activity. Despite obvious fraudulent activity, SECU never notified us of any suspicious charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I owe medical debt due to a XXXX XXXX and XXXX will not stop calling me even after I explained I would set up a payment plan when I could but untill then please stop calling. 

I lost my job during covid and have frequent panic attacks often having to be hospitalized. 

They have called up to XXXX times in XXXX day from different numbers and then hang up on me. 

This is causing so much XXXX I don't know how to get them to stop calling and give me some time to get a job. 

I have job interviews set up and will catch up on this medical debt but the completely XXXX you and then hang up on 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 2022-02-10 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: MI

Complaint narrative:
I SENT A DISPUTE TO TRANSUNION, XXXX, AND XXXX TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED 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 non-monetary relief