vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
Account has been illegally re-aged. Date of first delinquency ( DOFD ) would have occurred in XXXX. Calvery is reporting this false info on all three agency reports. 

CAVALRY PORTFOLIO SERVICE Account Name : CAVALRY PORTFOLIO SERVICE Account NumberXXXX Account Type : Collection Responsibility : Individual Date OpenedXXXX <<<<<<<<<<INCORRECT<<<<<<<<<<< Status : Collection account. {$11000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$11000.00} Balance Updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
can not verify my account with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
First Citizens Bank offered a {$300.00} bonus. The requirements included opening a checking/savings account, making 10 debit card transactions, and enrolling in e-statements. I opened my account on XX/XX/2020 and completed the requirements on XX/XX/2020. I pursued this offer in good faith and thought that First Citizens would honor the advertisement found on its website. I called the bank a couple weeks ago to ask why the bonus has not posted to my account yet ; the representative advised me to wait a little longer but that it will post shortly. However, I called the bank today and was disappointed to hear that my account would not receive the bonus. I have a screenshot of the offer on their website ( which the Sales Team, remarkably, did not know existed when I inquired ) and a phone conversation with a representative confirming that I will be receiving the bonus. I am confident that the CFPB will step in to rectify the situation by demanding the bank to honor the {$300.00} bonus and protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
I cancelled the loan and returned the loan the same day. They still call and harassed me and my wife several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2020, I opened a promotional Chase checking and a Chase savings account with my local branch in XXXX OH. Since I have had accounts with Chase before and their were some stipulations on the promotion, the banker ( XXXX XXXX XXXX XXXX checked and assured me that I was qualified. She then entered my coupon and the accounts were open. Several weeks ago, I noticed that the promotional amount had not been deposited to the accounts. I checked with the bank branch, and they admitted that it was their error in opening the account ( due to a previous account having been active within the past two years ) and informed us that they would try to resolve the problem since it was their error. They were unable to make the required deposits and told me that they would elevate the problem. I was told that the supervisor of the bank manager ( XXXX XXXX   supervisor ) would contact me and on several occasions, the bank branch has not taken or returned my calls. I am very upset over the treatment I received over this. I was promised a resolution which has not occurred. I have invested XXXX in my accounts since XXXX, with XXXX cents of interest and no promotion. I have been a long time Chase customer and I am extremely disappointed over this treatment. I thought Chase was a large and reputable company, but unfortunately they have become unresponsive to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i can not link my bank info to apply the grant from XXXX XXXX XXXX. i can not link it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank, Recently I filed two claim ( s ) for unauthorized purchases on my check card, and they were immediately denied requesting supporting document. 

I would like my money back and ask that the CFPB step-in and assist me, in retrieving my money. 

Claim ID ( s ) : XXXX & XXXX Dates Filed : XX/XX/2020 I would like proof of how it was investigated, how you determined that they were valid charges, and proof that they were actually investigated otherwise I will be taking more steps. 

I ask that the money be returned to my account immediately upon reviving this notice.

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 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2020, I established a settlement amount with Midland Credit Management to pay off my debt for a lower balance of {$1900.00}. This settled and closed my debt. Today on XX/XX/2020, I received lawsuit papers at my old address stating that they were suing me due to not paying the debt. However this paper was dated on XX/XX/2020. 

I have both bank statements, proof of closed debt account on their website and a new settlement amount confirmation sent by Midland Company. 

I am unsure what to do about the lawsuit, I dont want to pay for a lawyer to defend a debt that is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I disputed a debt that was on my credit with Phoenix financial services. On XX/XX/XXXX th 2020 The account was removed from my credit report. I never received any paperwork or documentation regarding this account. I dont even know what the account is. In XXXX XXXX XXXX the account was placed back on my credit report with out any notification. I have no knowledge of what this account is at all. I never received a notice that I had debt or they were placing account on credit. Never received a letter asking for payment or stating I could dispute the account. I want this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
This complaint is for Toyota Motor Credit. Account information : Number XXXX, date opened XX/XX/XXXX, original balance {$16000.00}. 

Toyota is to contact the appropriate credit agencies and have its negative credit marks reported on XX/XX/XXXX and XX/XX/XXXX removed from my account. The late payments were due to an online banking technical error, despite my intent and ability to pay on time. I also have prof from a third party company that was supposed to make the payments. 

I have been a customer a Toyota leasing customer for the past seven years, having leased multiple vehicles over that time period. Upon commencing my initial lease in XXXX, I set up bill pay at through my account at XXXX XXXX XXXX so that all payments would be made in advance of the due date each month. I continued this practice for all subsequent leases. 

All I want is a fair solution to my case. I am willing to provide proof from the third party company that was enrolled on Toyota. I am in the process of getting a letter from them. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Choice Recovery, 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, 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 Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: LA

Complaint narrative:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX. 

Invalid account number. I didn't receive enough information to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
****NO. 1. SLS continues to receive payments from the City of XXXX EVERY MONTH on behalf of a family member in excess of {$300.00} but IS LYING ABOUT NOT HAVING RECEIVED THESE PAYMENTS AND REFUSING TO APPLY THE PAYMENTS TO MY ACCOUNT. The checks CLEARLY have the account number written on them. These payments have been sent EVERY month since XX/XX/XXXX. I'm in receipt of each and every check no sent. 


****NO. 2. The payments in question are sent each month IN THE SAME ENVELOP as the payment on my behalf of {$600.00} WHICH SLS IS APPLYING TO THE ACCOUNT. 


****NO. 3. By not applying the payments on behalf of the family member SLS is MAKING IT APPEAR as though my mortgage is delinquent.

****NO. 4. Each time I call to and ask why the family member payments are not being applied, I get the same robotic answer from the " customer service '' tellers that they DON'T SEE THEM being applied.

****NO. 5. When calling on XX/XX/XXXX at XXXX ( XXXX  ), I spoke with XXXX ( Teller # XXXX ) who asked about the delinquency of the account and I explained to her SLS was not applying the {$300.00} payments. SHE SAID SHE WOULD MAKE A NOTE ON MY ACCOUNT. 


****NO. 6. My question : HOW CAN SLS APPLY ONE PAYMENT AND REFUSE TO APPLY THE OTHER PAYMENT ENCLOSED IN THE SAME ENVELOP? WHY IF MY ACCOUNT HAS BEEN NOTATED ABOUT THESE PAYMENTS, SLS HAS NOT ADDRESSED THIS ISSUE? 


******PLEASE ANSWER THE PRECEDING QUESTIONS TO RESOLVE THIS ISSUE*******

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 2020-07-11 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:
In or around XX/XX/2020 I filed a complaint with supporting documents requesting deletion of a XXXX XXXX account being incorrect reporting.

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 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - Dispute collections reported line of credit for Conns amount {$19000.00} Account opened in XXXX. 

I did not open or apply for credit with Conns in XXXX. 
Explained this is not my account or my doing. 

Credit report was UPDATED to Closed Written off in XX/XX/XXXX. 

No one with Conns company will help clear this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One has blocked access to my account information through third party budgeting apps. I believe that this is my information and that I should be able to consent to the sharing of it. I have accounts with many other institutions that work flawlessly with the third party apps. Consumers deserve to have access to their own information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In or around XX/XX/2020 I filed a complaint with supporting documents requesting deletion of a XXXX XXXX account being incorrect reporting.

Company response to consumer: Closed with explanation