vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have repeatedly been called during work by Capital One Credit, and they also helped cause me to be terminated from my employment at USPS in XXXX Wisconsin, becuase I would get upset and yell at them. They have done this since XXXX of 2021. They also when setting up the account had me photograph and send them my dirver 's license, which is a Real ID license. I feel this is illegal. Real ID should not be copied or Photgraphed ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated calls to cell number and landline two to three times a day at either number. No message is ever left on voice mail. Letter written to Portfolio Recovery on XX/XX/XXXX to cease and desist calling both numbers. Email sent to XXXX on XX/XX/XXXX to stop calling each number. Calls are made from all over the United StatesXXXX, NY, XXXX, CA, XXXX, MS XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX CA,  XXXX, NJ, XXXX XXXX XXXX CA, XXXX XXXX XXXX CA etc. 
Saturday, XX/XX/XXXX call came into cell from XXXX, MA, Yesterday XXXX, OH, today from XXXX, CA  from # XXXX call to landline today at XXXX from XXXX This has been going on for several weeks and I do not owe anyone any outstanding debt and have received nothing in the mail to indicate I owe any funds to Portfolio Recovery or any of their subsidiaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
Purchased a home on XX/XX/21 I closed on the FHA 30yr loan on my first home. 
The appraiser documented No prior sales to the subject property in the past 3yrs other than when sellers purchased it I found out after closing I was the 4th buyer of the home in 1year. This information is public record on XXXX XXXX County accessors ' office, and XXXX. 
*My interest rate was locked and agreement signed, the fee for points changed 3 times without communication to me that the fee for points was changing while my interest rate was locked. The most important were on my preliminary and then changed again on my final disclosures.

*I was steered to believe I qualified for the Mortgage Credit for first time homebuyers and that Hallmark and my lender filed for the credit as stated and the program fee of {$800.00} was on all my of my CD 's except the final CD it was removed.

*I contacted XXXX XXXX XXXX who stated that nothing has been filed for any credits in my name, she also checked under my SSN and address. Nothing was ever filed. 
*My lender admitted that they didn't file it and threatened to push closing out to file for the credit which takes a month alone and the lender was aware that if we pushed closing out any further the sellers would not be willing to do, so I would lose the home. 
*Hallmark home mortgage steered me away from government programs to help with closing cost and down payment assistance which I qualified for due to my lender stating that if we go through XXXX XXXX XXXX will dictate the interest rates, and they will be higher. 
XXXXmorning of closing I informed Hallmark and my Lender that the CD was not accurate, showing credit cards that I had already shown proof of payment. 
*I have all the documentation in writing as I have a mortgage that I have not been able to afford, I had nowhere else to take myself and XXXX  children. I work full time in XXXX  and I have XXXX  young children. This was awful what happened to me, and I was backed into a corner where I didn't have a choice.

*This was originally supposed to be a conventional mortgage, but my lender stated it was not worth his time to do my loan conventional even though I had already taken the Framework for homeownership class and did everything required to do the Home ready program under XXXX XXXX  XXXX 
I filed a formal complaint, which they gave to an attorney, who did not address any concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: GA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

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 2022-01-24 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Counterfeit checks were deposited and cashed from my Business checking account, none of which were authorized. I contacted my banking institution within a timely manner ( 24hrs ) and have gotten no response back. The 1st 2 checks were deposited on the XX/XX/XXXX for {$7300.00} and {$7600.00}. Banks were closed on the XXXX of XXXX, I called on the XXXX to report it. The bank took a claim and said someone will get back to me in 2-10 business days. Another check for {$7600.00} was deposited and cleared on the XXXX of XXXX for {$7600.00}. I again called and notified Suntrust on the same day, and another report was taken. Another check for {$4800.00} was deposited and cleared on the XX/XX/XXXX. Again, I called Suntrust to report it and why they keep clearing these checks. I was told it would take 30days to get a response back, meanwhile I am out {$28000.00} plus bank fees. To this very day, Suntrust has not gotten back to me with a single phone or response of any kind. I need assistance because I make daily calls to the bank and I keep getting the run-around.

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 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX XXXX XXXX XXXX  accounting documents, theyve written the account off as uncollectible, and they no longer consider the debt as an asset. XXXX XXXX XXXX cancel the debt completely. When this happens, you no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive 1099 from XXXX XXXX. No only that I haven't received a physical signatures stating that I agreed to terms nor last four of social

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I am trying to pay this loan off over a year early but they are still making me pay all of the interest except {$400.00} the total interest charged is {$2900.00} which is excessive but if I am paying it off in almost half the time it seems like I should not have to pay all that interest. They added the interest immediately on the loan & how can that be legal when I have not accrued the interest yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
Hello, this is regarding a BOK Financial 401k account that I have been trying to roll into an IRA for 3 months. For context, I was able to roll a separate 401k account with a different provider into my IRA in about 30 minutes. First, BOK declined to roll my assets because they require a " wet '' signature on the document form ( which was not indicated anywhere ), rather than accept the digital signature I provided. Now, because they are unable or unwilling to implement an electronic transfer system, my rollover bank rejected the check BOK had mailed to them, and in order to cut a new check, BOK is requiring me to fill out a form and get it notarized in order to cancel the old check ( even though they have received it back ). Their process for a rollover distribution is the most dystopian, bureaucratic, embarrassment to human cognition that I have ever seen, and the only logical conclusion is that they are intentionally making it difficult for individuals to withdraw funds from them ( presumably to inflate their XXXX XXXX for their investors ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/21 I transferred {$6000.00} from my US Bank account to my personal XXXX Savings account. 

US Bank sent the money and XXXX XXXX denied the funds and returned the funds. US Bank has kept the funds and not returned them to me. 

Us Bank says there's " nothing we can do '' despite the fact that they requested and received multiple refund notifications from XXXX XXXX. 

I just want my money back. I have called Us Bank over 30 times and each representative tells me something different. One says I have to wait while another says they will not refund the money and that I must get it from XXXX. 

XXXX XXXX does NOT have the money, never accepted the money, and provided proof of rejection of the funds. I have a PDF with their official statement as well. 

Attached is XXXXXXXX XXXX XXXX response which US Bank has said they never received ( despite me giving it to them multiple times )

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged XXXX XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. What was the method of verification when the courts CLEARLY do not provide documentation or verify with you? THIS IS ILLEGAL. All bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Creditors Bureau Associates
State: GA

Complaint narrative:
I was laid off during the pandemic due to a severe injury. I had 3 surgeries to repair in a 4 month period. I was unemployed for 30 days before being rehired. During that time I was eligible for XXXX but unable to pay the {$600.00} premium. The account was sent to CREDITORS BUREAU ASSOCIATES in XXXX, GA. I explained that there was an extension to pay the premium for XXXX eligible individuals to CBA and they removed the report. I have been openly communicating with them while waiting for XXXX to approve the extension. This extension allowance was authorized for the pandemic period only. I was not contacted before they re-applied the collection to my credit on XX/XX/2022 almost a YEAR later. I contacted XXXX to ask them to escalate my request for an extension which they did. I received an email from XXXX stating that my extension request was APPROVED and they would process the documents and payment. This will allow the claim for my 3rd surgery to be covered by XXXX ( Over {$5000.00} ) .I then emailed the extension approval to CREDITORS BUREAU ASSOCIATES but the representative said that XXXX would have to call them directly to advise them that the extension had been approved. I sent written correspondence that stated the aforementioned information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NJ

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NJ

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-24 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: FL

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Someone opened kohls credit card on XX/XX/XXXX in which I did not open a kohls account it has a zero balance as of XX/XX/XXXX but I call company and told them to cancel and close account which I didnt open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by US Bank, and this has been going on for MONTHS now. US Bank is claiming that I owed an alleged " debt '' that I did not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist letter on XX/XX/2021, with a few other documents supporting my case ( see attached exhibits ). I have the certified mail return receipt proving they received my cease & desist on XX/XX/2021 ( see attachments ). Since that time, I have received dozens of spam calls and voicemails from US Bank in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that US Bank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.

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 2022-01-24 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief