vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I will try to remember as much as possible. 
In XX/XX/XXXX. I got a loan from oportun for {$500.00}. I was very happy to pay the loan back because it would help my credit. 

Within the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have been having financial difficulty because I needed repairs done to my car every month back 2 back. 

I have called oportun every month to inform them that I'm having car problems and as soon as I stop having car problems I will start to make my monthly payments. 

Oportun did not care about my money situation at all and oportun has stopped me from making monthly payments because they asked me if I have a lawyer and I said yes I do have a lawyer. Therefore Oportun has stated to me that because I have a lawyer they can not allow me to make payments until they speak to my lawyer. ( I am supposed to have a lawyer, I am a united states citizen, and by oportun locking my account to not make payments it against my Constitutional Rights! 

I called oportun this month XX/XX/XXXX and oportun told me that if I say that I will not sue them they will put me back on a payment plan. 
I told oportun that I will not sue them and oportun still said that they cant allow me to make payments. 

Oportun is full of lies and deception. 
1st Oportun told me that if I say that I will not sue them I can continue to make payments.

2nd then oportun told me that they cant let me make payments until they talk to my lawyer.

Which one is it? 

Oportun is a deceptive company who is only out to destroy people credit and they wont wouldnt allow me to change my billing date and oportun charges us people like me on ssi of which I only get paid once a month with 2 payments a month which is unlawful against the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I made a {$500.00} payment that posted XX/XX/XXXX to my Best Buy Credit Card. I noticed recently, when I checked my credit reports, after I made my Best Buy credit card payment, that my card was reported closed on all three credit reports. I called numerous times to try to get a hold a customer service at Best Buy and was able to get a hold of an actual person three times, but they were all unable to explain or inform me as to why my card was closed and kept telling me to call back, even though they were aware of how many times that I had already called and I informed them of the impact it would have on my credit score and that I was having difficulty getting through to speak to anyone.

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a SunTrust checking account ( Account Number : XXXX ) online and made an initial deposit of {$1500.00} verified by SunTrust customer service on XX/XX/XXXX, but SunTrust closed my account a week later without any valid reason. On XX/XX/XXXX SunTrust sent me a letter stating the following : At the time of account closure, SunTrust Fraud Operations performed a thorough review to determine the status of the funds in your recently closed account ( s ). We have determined that the remaining funds in your account ( s ) will be mailed to you in the form of a check within 5 business days.

So I waited for 3 weeks but did not receive my {$1500.00} fund as promised. I started calling SunTrust. SunTrust told me the fund was being held without providing any reason and asked me wait for one more week. Then I called again a week later and got the same answer. In the past 6 weeks, I called SunTrust at least six times to request my funds, but SunTrust was still holding my funds. At this point, I was so frustrated by the SunTrust unprofessional and nearly fraudulent conduct.

SunTrust closed my new account even though I did nothing wrong. To make it even worse, SunTrust has been holding my {$1500.00} funds for two months, especially when I really need this money to get through the current Covid-19 crisis.

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 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I had informed corporate HR not to be in contact with sun loan company of XXXX IL this was back in 2017 when I worked for XXXX XXXX XXXX  they tried to manipulate HR into garnishing wages when they had no legal authorization to do and I wrote a letter to corporate of sun loan I wish for no such thing and the sun loan represents got verbally aggressive and nasty and HR XXXX XXXX Human Resources manager demanding them to take wages out now and XXXX number is XXXX XXXX XXXX. She has information on the situation with sun loan this happened back on XX/XX/17 I though this debt had dropped off but apparently didnt and they have added on interest to the account to which I dont claim validation to debt due to the illegal procedures they tried to collect on the and Im worried they might try to bother my work which I work at XXXX XXXX XXXX XXXX and Im trying to protect my financial future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We purchased our new home in XXXX XXXX as our second home through XXXX XXXX in XX/XX/2019. The loan was sold to a broker and the finally sold to PennyMac Loan Services sometime in XX/XX/2019 under Loan Number XXXX. In XX/XX/2019, we wrote a letter and emails to Penny Mac that we would like to include our son as part of the loan. He has taken over all financial and maintenance responsibilities to the home since of our senior age. We have delivered all required documents that they require through their Simple Assumptions Dept. We started with email with a certain XXXX XXXX in XXXX XXXX, 2019. From there on, we were bounced around from one person in Simple Assumptions to another until we were finally assigned a point of contact XXXX XXXX. Since then we have been calling this person and we have not yet received any calls or response from him or from any other staff to this day. Also at the same time, every month I would drop a message to their online website Message Center. And every month until now, all I get is an apology from a certain XXXX. Every month a message. Every month an apology from the same person. This is outrageous and unsatisfactory. No customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: WV

Complaint narrative:
National Service Bureau threatened me with jail time and revocation of my license over an auto mobile accident. I had insurance during the accident but my insurance provider refused to pay because it was not the correct type of insurance. I understand that I am financially responsible to pay back the debt but they are asking for amounts that I am not able to currently pay. I have been out of work due to covid-19 pandemic and they threaten me with jail and revocation of my license. Also screaming at you on the phone and are extremely rude and very aggressive. I've tried to work with them to come up with a reasonable amount to pay back but they demand I pay a certain amount a month which I am not able to. It's alarming because of how aggressive they threaten every time I speak to them. I am willing to pay the debt back but I can not pay them what I do not have. It's especially a shame because I've explained to them the situation with my insurance and they just do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I notified Wells Fargo that I want to pay off some accumulated late charges. These late charges are may inhibit my ability to recast. An officer of Wells Fargo said I would be able to pay the late charges, but they will not allow me to transfer or pay for the late charges when I tried to pay. I called the office and they refused to let me pay the late charges which are sitting in my Wells Fargo bank account. They are holding onto the late charges as a means to disallow my ability to recast the loan as this is the first thing every person I spoke to says. They have been brought before the banking committee several times and fined millions of dollars. The practice of seedy banking is obvious and I want to have the same rights as other mortgagees with other banks.

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 2020-04-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX AND EXPERIAN VIOLATED MY CONSUMER RIGHTS

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XX/XX/XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ordered merchandise from XXXX. ( {$37.00} ). The seller never sent it, it was not received by me at my address. Seller refused to reship or refund or make a claim with his shipper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint directly from XXXX that there is a different addresses that I never lived there before. Issue was not fixed. I'm still able to see it on my 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 explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase on XXXX. I never received the item from the seller. I contacted him several times, he refused to reship or refund, he refused to make a claim with his shipper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. Thank you.

Company response to consumer: Closed with explanation