vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My card number ending in XXXX I signed up with capitol one in XXXX of 2020 because XXXX sent me a letter in the mail promising me a {$150.00} bonus, if I applied for a credit card with them. I had to spend {$500.00} or more in purchases in the first three months. I had asked for an extension because I am taking care of my XXXX XXXX XXXX XXXX  with XXXX XXXX, he is mainly XXXX XXXX XXXX XXXX  had also got this same offer for a {$150.00} dollar bonus and he asked for an extension to get his bonus of {$150.00} as well and he was granted his extension until XX/XX/2020 but I was not. I have made the {$500.00} dollars in purchases just shortly after the 3 month period had ran out. I contacted capitol one regarding this matter but they failed to comply to my matter and they would not grant me this extension and ripped me out of my {$150.00}. I am also XXXX so it takes me longer than others to get things done. I asking as an accommodation for my XXXX under the ADA laws to accept the fact that I spent {$500.00} just shortly after the deadline. I would like capitol one to give me my bonus of {$150.00} dollars. I have proof by statements that I had spent the {$500.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
There is a repeated charge on my credit report from XXXX XXXX stating I had thier service at a place f residence I never lived. I have it removed obnly for a few days and then it is back on there. I have communicated with all paries and still having issues it is frustrating as I a trying to get XXXX  and this is preventing me because of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been violated by XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under XXXX5 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The end-of-draw period on my XXXX was XXXX, 2021. Wells Fargo and I renegotiated the terms of our relationship resulting in an agreement, the details of which are included in the ALTERNATE PAYMENT OPTION MODIFICATION AGREEMENT which states the following : RLO Principal Amount : XXXX Term RLO Fixed XXXX XXXX Payment Type {$93000.00} 60 months 3.625 % Interest Only. 

Please note that the Payment Type is interest only. Wells Fargo has constantly tried to hit me with fees, charges, and other costs. This is merely the continuation of a years long pattern of illegal, fraudulent, and unwarranted charges and costs ; including, but not limited to, the imposition of unnecessary and fraudulent accounts and fees. This has continued through this entire process and continues now.

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 2021-12-15 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: TX

Complaint narrative:
HELLO. MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A XXXX LOAN, THEY ALSO MADE PAYMENTS ON THIS ACCOUNT TO COVER IT UP. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX XXXX  OPENED : XX/XX/2009 XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ANI International, Inc
State: FL

Complaint narrative:
This letter is a formal complaint against ANI International Inc. in regards to excessive and abusive phone calls. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite me telling the representative named XXXX XXXX who claims to be an attorney that this is a private number he insists that he will keep calling me. 

REASONS FOR COMPLAINT : I have never done business with ANI International Inc. 
I never gave out my personal phone number to be contacted by ANI International Inc. 
That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? 


If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC
State: MI

Complaint narrative:
On XX/XX/2021 apelles LLC @ XXXX. Has called my cell phone 15 times in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was inXX/XX/XXXXwhen I closed my credit card account with a balance of XXXX. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a personal & business checking account with Suntrust. I attempted an external transfer and was expecting the transfer to be pulled from my personal account & not the business account. The last 4 digits both include a XXXX and a XXXX for both accounts and from my external bank it only said Suntrust so it was not clear which was business or personal. I was charged a {$38.00} fee. I called a local branch near my house and the banker told me I'm allowed 1 fee refund per year and she told me she was refunding the {$38.00} to my account. I have never asked Suntrust for a fee refund in my entire lifetime. I have not seen the refund so I was lied to and I'm not happy about have a business & personal checking account with this bank and being lied to about policies and refunds. I expect the bank to honor the fee refund as I was told this on the phone by their own employee.

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 2021-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I closed on my home XX/XX/2020. I contacted Pennymac that weekend to get on an excelerated payment plan. I set up a biweekly payment so I would reduce my principle. After a few months I received a statement that stated they DO NOT APPLY my payment towards my mortgage. They keep it an earn interest off my monies and only apply the payment when its the full amount. This is Fraud! Misleading etc. Now my complaint is I receive notices via email, phone text and letters to apply for a mortgage with Pennymac. I have contacted them and stated they must stop! I have a morgage loan with Pennymac and the letters look like there is an issue ( Stamped Urgent ) or the mortgage has been sold. Creating extreme anxiety to me. After a month from the original complaint to stop the solictation, they keep on coming. I want them to stop. Please help resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
My complaint is regarding my credit card with SunTrust/Truist I do not have all information, because I am locked out of my online banking. 

I have a seldom used credit card with Sun Trust ( not in over a year ). Over the summer, there was an automatic charge for an annual magazine subscription that I was unaware of. 

Not expecting any charges, I never check my online account ( the reason I am locked out of their online banking and will have to be on hold for XXXX minutes to get it working again ). So, the first statement I see shows a charge of {$42.00} for an annual magazine subscription and a {$25.00} late payment fee. I call, make the payment of {$42.00}, and am told they will waive the late fee. 

The next statement has the initial {$25.00} late fee plus another late fee ( I believe it was {$39.00} ). I call again, and they tell me I was supposed to call back again to get the initial {$25.00} fee waived. So I'm charged a late fee on a late fee. 

On XX/XX/21, I made a payment of {$40.00} leaving the balance at {$25.00} ( interest was added to the late fee ). Well, here I am again in XXXX with another late fee on a late fee after, on my initial call, I was told that the initial {$25.00} late fee was being waived. 
At this time, they are saying my new balance is approximately {$52.00}. 

Essentially, for a single charge of {$42.00}, they are trying to usurp $ XXXX in late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from Transworld Systems Inc. It's a collection for a XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$2400.00}. I'm asking that this account be removed immediately as this is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: IN

Complaint narrative:
I submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.

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 2021-12-15 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: IN

Complaint narrative:
I submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read thirty days of not verifying items on my report it has to be deleted

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 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was contacted by a firm called XXXX XXXX XXXX who told me I owe money on a credit card account from 2009. They said that including court costs and filing fees, I was responsible for {$6600.00}, but that if I paid them {$2000.00} today they would stop court proceedings. They did have a lot of personal information about me and even threatened wage garnishment at my current place of work, which they knew. I got increasingly suspicious and hung up to call the credit card company the debt is supposedly with ( I am still on the phone with them to try to confirm whether this is a legitimate debt ). After I hung up on XXXX XXXX XXXX, they called me four times in succession, which made me even more suspicious. I did not answer because I was on the phone with the credit card company at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im in the process of refinancing my home and Im scheduled to close on XXXX. I was just notified by my mortgage lender that theres an Abstract Judgement ( attached ) in the amount of {$4100.00} for a credit card debt that was placed by an attorney representing Capital One. This to me would be a violation of Section 1006.22 ( e ) ( 3 ) of FDCPA because Texas state law ( section 52.003 Property Code ) prohibits liens for credit card debt to be placed on a homestead. When I called the courthouse where the case was presented on XX/XX/2020 to inquire about the lien being placed on my homestead for a credit card debt, I was informed that the judge signed a Default Judgment ( attached ), not the Abstract Judgment that the attorney had recorded with the County Clerk. In addition to possible fraud, this could potentially be a violation of UDAAP for deceptive and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: AZ

Complaint narrative:
my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit.

And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.

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