vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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: KY

Complaint narrative:
To whom it may concern, I entered a consumer credit transaction with Capital One and extended Capital One my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

As stated in the FCRA ( Fair Credit Reporting Act ) the following is to be EXCLUDED from my consumer report : FCRA 15 USC 1681a ( 2 ) ( B ) Any authorization or a SPECIFIC extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a Credit Card under FCRA 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card I used was my social security card to originate every consumer transaction. 

I attached a copy of an email that I received from Capital One on XX/XX/2021. Capital One was contacting me via email regarding a debt that is alleged. As described in FCRA 15 USC 1681a the definition of debt is as describe obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The email shows that I have an alleged debt of {$1100.00}. The email also shows my banking account information in the email which is an invasion of privacy as described in FDCPA 15 USC 1692 ( a ). An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). 

I am demanding that you removed all transactions from my report immediately and XXXX out the account balance as they are a violation of my rights as a Federally Protected Consumer under Title 15 Chapter 41 and that the negative payment status on my report from XXXX be changed to a Positive Status. Im also attaching an invoice so that Im compensated for the damages that you all have caused. FDCPA 15 USC 1692k ( a ) ( 2 ) ( A ) : Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools First FCU at XXXX.XXXX. XXXX XXXX XXXX XXXX, CA XXXX is reporting multiple account numbers to the credit bureaus on for an account on my behalf thus for making the reporting inaccurate and not the same across the board creating additional reporting I have pointed this finding out to all three bureaus just for them to either poorly investigate or not even investigate at all and continue on stating the information is verified when I requested and challenged the inaccurate reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened the Kabbage account on XX/XX/21 and initialed {$6000.00} from XXXX XXXX  to it. They locked my account on XX/XX/21 and also withdrew {$6000.00} from my XXXX account. I requested them to return my {$6000.00} to my XXXX XXXX  because I can't log in Kabbage account to transfer it. They said they can't because my account is locked. I asked them to close my account then send me back the balance, they said they can't close my account either because my account has {$6000.00} balance. Their system seems to be in an infinite loop! The system of this bank is very problematic, and the customer service is not professional, which can not solve my problem at all. I have uploaded all the documents they asked to unlock my account, but no one at their bank followed up on my case. I can't use my {$6000.00} fund for almost a month. They should pay me back the interest and the time I lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: CA

Complaint narrative:
XXXX XXXX is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both XXXX and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX  XXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.

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 2021-08-13 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: CA

Complaint narrative:
XXXX XXXX is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both XXXX and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.

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 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).

I am a consumer as that term is defined by the FDCPA and RFDCPA.

LVNV Funding is a debt collector as that term is defined by 15 USC 1692a ( 6 ). LVNV Funding is also a debt buyer with a laundry list of complaints against them on the CFPB, FTC, and XXXX. 

I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of LVNV Funding pursuant to 15 USC 1692a ( e ) and make you aware that they have invaded my individual privacy under 15 USC 1692a.

Within the last year, LVNV Funding and its associates/agents have attempted to collect an alleged consumer debt from me. This alleged debt is beyond the statute of limitations in the State of California. 

On multiple of occasions, I have disputed this alleged debt with the credit reporting agencies and directly with LVNV Funding. Each time, LVNV Funding has failed to properly update my consumer report to reflect this dispute which is a violation on the FCRA under 15 USC 1681.

Additionally, by LVNV Funding reporting this alleged debt on my consumer report without validation, it is a violation of 15 USC 1692g. When LVNV Funding reported this account to the CRA 's and stated that I owed a debt, they violated 15 USC 1692b ( 2 ).

LVNV Funding is solely reporting this account as an attempt to coerce payment, which is also a violation of 15 USC 1692d ( 4 ).

Lastly, under the FCRA, this consumer credit transaction is supposed to be excluded pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

LVNV Funding violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when LVNV Funding and its agents engaged in the foregoing conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Received a notice about a pay pal credit card, never had one so discarded letter. Just checked my credit report and it is on there. I have never lived at that address and have only had 1 credit card.

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
XX/XX/2021, scammer hacked into professors email account and posed a research opportunity. First task did not involve money and appeared legitimate. Second task involved money. Asked to buy 3 gift cards at XXXX worth {$250.00} for the the research companys web fee based subscription online survey task. Money was subsequently used for scammers own benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit illegally obtained information from my deceased family member and fabricated a debt that does not exist and put it through collections. They have left hundreds of phone calls from a robo-caller each day from spoofed numbers calling at all hours of the day for a measly {$130.00} for an account that was closed and paid off.

We have received so many spam emails titled " Personal Business Matters '' and many obnoxious phone calls throughout the day which is harassment. They are the bottom of barrel lunatics using unethical tactics to make money.

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 2021-08-13 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: LEXISNEXIS
State: IL

Complaint narrative:
I received my consumer credit report from XXXX XXXX and XXXX  and there is an unauthorized Chapter XXXX Bankruptcy that is reporting and said to be verified by Lexis Nexis. I sent Lexis Nexis a letter on XX/XX/2021 to remove the item and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I was having my hair styled in XXXX XXXX, California. 
I got a phone call when I got home by Wells Fargo saying there was " suspicious activity '' on the XXXX credit card. They asked me if I was at XXXX XXXX, XXXX, buying pants, XXXX XXXX, etc. I said I only was at the hair stylist and confirmed the amount! The Proper Response Should have been " Don't Worry-you got hacked! Let us handle it. '' Instead ... 1.5 Years Later ... Wells Fargo REFUSES to make good and take responsibility-saying I told them my card was stolen, and THEN saying it wasn't. I have PROOF from the stylist signed by her saying I was with her from before noon to early evening-making it IMPOSSIBLE for me to be anywhere else!!! This is CROOKED THIEVING Wells Fargo-who got BUSTED by the US Senate for $ $ {$3.00} BILLION for opening up PHONY accounts of their customers! I reported them to the XXXX  and it is on record! Even EVERY Late Night TV host has SLAMMED Wells Fargo for being " The XXXX '', etc. This has caused me LOADS of stress and time and THIEVING BULLIES must NOT be allowed to operate in our free country like 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 explanation
Consumer complaint received 2021-08-13 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: CT

Complaint narrative:
I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  and Transunion in collaboration with XXXX XXXX XXXX XXXX are disregard any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.

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 2021-08-13 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: MI

Complaint narrative:
I sent disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc
State: LA

Complaint narrative:
On XXXX XXXX I paid my mortgage off in full but I have not gotten the DEED to my House .FHA Case:XXXX Loan No:XXXX Pay off amount {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NY

Complaint narrative:
To whom it XXXX concern, This is my third time submitting a complaint that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items for {$870.00} I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such.

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 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mother passed away XX/XX/XXXX. My father passed away XX/XX/XXXX. After receiving my father 's death certificate, I went to Wells Fargo bank to have the account closed on two separate occasions. The first time was after my father passed away, and then a second time after I kept receiving bank statements showing that Wells Fargo was steadily charging monthly fees regardless of me personally providing the bank copies of my parents death certificates on two separate occasions. Wells Fargo intentionally allowed the account to remain open to deplete the account of its funds. Each time I provided the original death certificates, Wells Fargo kept my parents ' account open. I was the caregiver for the both of my parents. My parents made little money, and to see a financial institution continuously take money from poor people was unethical. Wells Fargo refused to close account and continued to send monthly statements to my home. I stopped opening the statements as it was painful to see what the Bank was doing to me. My son was diagnosed with XXXX XXXX. At the time, I wanted to retrieved the money for my son, as my son was named after my father and my parents considered my son as their own child. 

At the time of my father 's death, the checking account balance was around {$1200.00} ; however, Wells Fargo only sent {$440.00} to Unclaimed Property. I would like Wells Fargo to do the honorable thing and return all monies taken out of account ; as I was told by their employees that the money would be returned. Although, I think they lied about that too. I considered Wells Fargo actions as the rich stealing from the poor. No government agency should allow such unethical behavior to go unpunished. Please help!

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 2021-08-13 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: CT

Complaint narrative:
I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but Experian in collaboration with XXXX XXXX XXXX XXXX are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.

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 2021-08-13 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: MD

Complaint narrative:
I am accusing Equifax of fraud. Equifax has deliberately removed three XXXX  student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Equifax violated its own regulations. Also, Equifax fails to give an explanation for the deletion. In addition, Equifax reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change. A credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation