vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Three checks issued to the same party were never received by the intended party though the funds were removed from my account. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One and was transferred to their fraud department in XXXX XXXX. The person had a very difficult time understanding my issue, but did send me a copy of the three canceled checks along with a letter denying my claim as they suggest there was no error. None of the checks are endorsed on the back so I called back and asked them how they could deny my claim when the checks were not endorsed. They informed me over the phone that they did refund the XX/XX/XXXX check to my account though they continue to send me claim denial letters for that date. I find it interesting that they held onto my money from the XX/XX/XXXX check until I called in XXXX and complained. On my fourth or fifth try with the XXXX XXXX team, I mentioned that I would file a complaint with the CFPB if I did not get resolution and they gave me the number for someone in the XXXX. I called on XX/XX/XXXX and spoke with a helpful person who indicated they would send my issue to the " back office '', but could not give me a time frame for resolution. As of today, I have not heard from anyone and do not understand why it is so difficult for them to recognize there is no endorsement on the back of the checks and never should have been cashed. I would like my money back so I can send it to the intended party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENN CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVICES ( XXXX ). PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: MS

Complaint narrative:
I sent a certified letter to Equifax providing proper documentation from the courts stating that they do not verify bankruptcy. They responded back stating that they verified my bankruptcy with XXXX XXXX with is incorrect because I have documentation from XXXX XXXX that states they removed the bankruptcy off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
This debt was a {$200.00} overdraft from Best Bank in Georgia from XXXX, which has gone out of business. I am in the process of fixing my credit myself and undisputed alot of old items on my credit report. These people called my mother, niece, my brother, and my sister in-law, and told them different things like there is a warrant for my arrest, and told my niece I am involved in a domestic abuse situation. They gave them a case number to give to me. When I called they threatened me again with a warrant and told me if I didn't pay there's a chance they can arrest me. Since XXXX I have gone thru XXXX XXXX and for them to call my whole family and get everyone upset thinking that I committed a crime is horrible and it gave me anxiety. Now they are calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as posssible. I reported this and have also included the FTC Affdavit thats lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenice to me as consumer. I XXXX XXXX am making this complaint. This is not a 3rd party you guys tried that before. I've provide 2 FTC Affidavits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I contacted the bank that my loan was through and told them I was having financial issues. They offered me two skip payments. They did not hold up their end of the bargain and repossessed my vehicle and refuse to help find out what happened to my skip payments.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have contacted Capital One Collection Department several times and received no resolution on XX/XX/XXXX I spoke with Representative XXXX whom stated a supervisor would be in contact to have debt removed from credit report due to me not being the owner of the account as listed. With me not receiving the call back I contacted the collection department again on XX/XX/XXXX speaking with yet another rep whom stated the account was never notated for you to receive a call back, frustrated I demanded to speak with yet another supervisor and was informed that this matter would be resolved and I would show the account removed in the coming months as of today XX/XX/XXXX I still show an account as debt on all 3 credit bureaus when I was told it would be removed and I wouldnt be penalized for such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative inquiries credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I ported 4 cell phones and 1 tablet from XXXX XXXX XXXX to XXXX. I was told that XXXX would pay up to XXXX per line once I switched to XXXX since there were still balances on the " leased '' phones from XXXX XXXX XXXX. At that time, I also ported 2 lines from XXXX to XXXX and as a bonus XXXX said they would send me XXXX per line ported. I only received a XXXX prepaid card for XXXX, I think, not sure what the amount was but it was not much. My last XXXX XXXX XXXX bill was quite high because of the remaining " leased cell phone '' amounts that XXXX was supposed to pay them. When I contacted XXXX, I was told that I was too late. The rep at the XXXX store told me that he would take care of everything, I returned the XXXX XXXX XXXX cell phones to him and my last XXXX XXXX XXXX bill. Now, XXXX XXXX XXXX has sent me to collection for a debt that I do not owed, if XXXX was not going to pay off my balances I could have sold the phones for that amount, or more. They were, at that time, 2 XXXX XXXX XXXX and 2 XXXX XXXX Attached is my documentation with the pertinent dates. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FOR OVER 8 MONTHS ( SINCE XX/XX/2021 ), I HAVE BEEN ASKING THIS CREDIT REPORTING BUREAU TO FIX THE ERRORS REPORTING ON MY CREDIT PROFILE. TO DATE, I HAVE NOT RECEIVED ANY CORRESPONDENCES FROM THEM AND I KNOW BY LAW THEY HAVE 30 DAYS TO RESPOND. SINCE THEY HAVE FAILED TO RESPOND TO ME, I AM ASKING THAT THE NEGATIVE, INACCURATE DATA REPORTING BE REMOVED IMMEDIATELY BECAUSE THEY ARE CLEARLY VIOLATING ALL FDCPA LAWS. I AM SUBMITTING ALL DOCS I SENT IN XX/XX/2021. THANK 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 explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FOR OVER 8 MONTHS ( SINCE XX/XX/2021 ), I HAVE BEEN ASKING THIS CREDIT REPORTING BUREAU TO FIX THE ERRORS REPORTING ON MY CREDIT PROFILE. TO DATE, I HAVE NOT RECEIVED ANY CORRESPONDENCES FROM THEM AND I KNOW BY LAW THEY HAVE 30 DAYS TO RESPOND. SINCE THEY HAVE FAILED TO RESPOND TO ME, I AM ASKING THAT THE NEGATIVE, INACCURATE DATA REPORTING BE REMOVED IMMEDIATELY BECAUSE THEY ARE CLEARLY VIOLATING ALL FDCPA LAWS. I AM SUBMITTING ALL DOCS I SENT IN XX/XX/2021. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
On XX/XX/2021, I paid off my mortgage. I have approximately {$5.00}, XXXX in an impound account with CrossCountry Mortgage ( XXXX sub servicer ), plus applicable interest. I contacted the company for my refund and was told it was mailed on the XX/XX/2021. I have not received it and the statutory time frame has passed for receipt of escrowed funds to be returned to the borrower after closing of the loan. The company has been rude and uncooperative while i attempt to ascertain when i will get my deposit back and what their policy is on potentially lost mail. I have made three suggestions including overnight mail, ach deposit or wire transfer and they are refusing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had some unauthorized transactions on my Chime account. I submitted a dispute form couple months ago and they had emailed me back saying it would be 10 days well in ten days they emailed me saying it was denied. I asked to see the documents they used to decide that and they emailed me saying the dispute was declined because I toled them my card was in my possession at the time however right under that was a copy of the form I submitted stating that the card was in fact not in my possession that it was stolen, So I submitted what they call a rebuttal and the next day I received emails saying it was declined and the matter was considered closed, I asked for the documents again and they have not sent me anything, I've got Alot of emails back and forth with them and they are just really disrespectful and they will not fix these charges! This has been going on for over two months now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
Due to the improper billing address and Sallie Mae not updating it when asked, one payment of a three payment plan was missed. They will not allow a new program to get it caught up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated under the Truth in Lending act.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2021 I recently called TransUnion and to settle a matter regarding fraud on my inquiries I've noticed during a recent credit pull there are numerous hard credit inquiries that I did not authorize nor approve. I have already disputed these inquiries and would like for them to be removed and TransUnion refused to remove them after all documents were in order and I was constantly transferred to departments that weren't the fraud department.

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 2021-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: CA

Complaint narrative:
I received a letter in the mail for a 1.75 % VA XXXX loan refinance from ClearPath Lending on XX/XX/2021. I called ClearPath lending the next morning and asked them about qualifying for the letter I received in the mail and they said ... after a lengthy conversation that " that programs quota has been filled up for the month and that I should call them back after XX/XX/XXXX as they only allot 300 of these every month. '' This is a classic bait and switch in which the consumer receives a piece of mail offering a mortgage and terms and then do not make that product available to the consumer.

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 2021-10-21 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: MI

Complaint narrative:
Transunion is XXXX her reporting the wrong account balances on two collections accounts ... I have made payments on those accounts and they refuse to update the right amount that I owe I have sent them prove of the payments and they still refuse to update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My loan is past the 20 percent equity threshold based on the original home value. They are telling me I must have the home reappraised to ensure my home hasn't gone down in value. However, their own website, which I attached a screenshot of ) is telling me that my house is worth nearly {$100000.00} more than I paid for it and I have 41 % equity in it. This appears to me to be an attempt to nickel and dime more money from me when there is no way to reasonably believe the value of my home has decreased.

Company response to consumer: Closed with explanation