vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was working for my former employer I worked three pay periods and was paid once with a cold check, attempted to deposit the check that I assumed was good into my Capital One 360 account. The check bounced I have felony charges on them through the XXXX XXXX XXXX  Sheriff 's Office for theft of services in the amount of {$4400.00} dollars. I have also submitted the forms and a copy of the police report to Capital One and have also spoke to them on the telephone numerous occasions about this subject, and have added a written statement to my credit report on XXXX XXXX and XXXX. Most recently I attempted to open a checking account through XXXX XXXXXX/XX/XXXXand was denied a normal checking account because of information on the XXXX. I'm the victim of a crime and being treated as if I'm the criminal. Capital One did an investigation and found I wasn't at fault but yet I still have this stain on my record. I reported this to the FTC the IRS & the XXXX  XXXX Treasury due to now I'm having unearned earnings filed in my name reflected on my most recent W-2. I have numerous documents to prove my allegations and MORE than willing to submit them to ANY agency that can or will help me. 
Lastly I do have one other blemish due to Worker Comp but I'm currently in litigation with them for payout and unpaid bill coverage, they were the responsible party and I will be submitting a separate complaint on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I received an email message that too many log in attempts locked account access. I do NOT have an account at Chime. I have NEVER had or applied for an account at CHIME. When I sent a message to Chime, they could only talk to me if I emailed a copy of my ID and my Social Security number. I told them NO WAY would I provide that information and told them one more time to purge any account information attached to my name and email. The request for more detailed personal information to resolve the problem is the issue. Why would I provide that information to a company where my identity has already been compromised?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX REMOVE THE ADDRESS NOT MINE REMOVE THE EMPLOYERS : XXXX XXXX XXXX XXXX REMOVE THE INQUIRES UNAUTHORIZE : XXXX XXXX/XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XXXX  XXXX, XXXX Removal date : XX/XX/XXXX Your XXXX  credit file is locked

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BANK OF AMERICA, XXXX XXXX ( DETR ) UNEMPLOYMENT DURING THERE FRAUD INVESTIGATION REMOVED XXXX FROM MY ACCOUNT WHICH WAS PUT THERE BY B.O.A. MONTHS EARLIER. I HAVE BEE TRYING TO GET IT RESOLVED FOR ALMOST SIX MONTHS.. BOTH ARE DENYING THEY TOOK MONEY. AND BOA KEEPS TRYING TO CLOSE ACCOUNT, EVEN THOUGH I HAVE LETTERS FROM BOTH DEPARTMENTS SAYING THAT HAVE COMPLETED THERE INVESTIGATION WAS COMPLETE AND THERE WAS NO FRAUD AND THAT A CREDIT OF XXXX WAS NOW PERMANENT AND WOULD BE RETURNED TO MY ACCOUNT

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 2021-03-16 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: Delta Outsource Group, Inc.
State: KS

Complaint narrative:
I have sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters to discuss settlement options of the balance I allegedly owe with their company on XX/XX/XXXX and XX/XX/XXXX. No response in any form from XXXX for either offer letter. 

Per phone call on XX/XX/XXXX XXXX According to XXXX XXXX XXXX XXXX XXXX balance allegedly owed sent to Delta Outsource Group on XX/XX/XXXX. 

Balance $ XXXX Still listed on credit report/reported to credit reporting agencies for balance allegedly owed as of this date by XXXX even though they no longer own the debt. 

I requested from XXXX XXXX ( Corporate Office - XXXX, KS ) a copy of the documentation that the debt was sent to Delta Outsorce ; refusal by XXXX XXXX of XXXX to provide mailing address of Delta Outsource or documentation that debt ( or management of such debt ) had been transferred or sold to that company. XXXX confirmed my address and confirmed the address was sent correctly to Delta Outsource.

Informed XXXX XXXX the charged off debt with balance due is still listed on my credit report even though they no longer own the debt. XXXX verified this information. 

Informed XXXX XXXX that if a creditor no longer owns the debt, they are legally under federal statute not eligible to report the debt or any balance associated with the debt to any external credit reporting agency as that is " double reporting '' - Violation of Fair Credit Reporting Act - Violation of Fair Debt Collection Practices Act XXXX stated he understood my complaint and XXXX 's violation of the FCRA & FDCPA ; no response or rebuttal to complaint. XXXX verbally stated his and XXXX 's refusal to remove information from credit report even though they no longer own the debt. He stated they are reporting accurate information. 

**** As indicated by XXXX XXXX, debt had been sold to Delta Outsource on XX/XX/XXXX. I had never heard of this transfer before nor the company. Delta Outsource is under federal requirements as a debt collector to contact me within a certain timeframe in writing regarding the balance allegedly owed and collection efforts. I have never heard from Delta Outsource and as such, the debt collector is in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: FL

Complaint narrative:
XXXX XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge, this account is not mine. Istayed at the resort once but only paid for the time I was there & I did not purchase anything from them. I've called them to demand validation of the said account and have it closed but they give me the runaround every time & never received any validation. The inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this with the credit bureaus but had no resolutions. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Ive had no responses. Ive sent out requests to Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-03-16 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: AES/PHEAA
State: NY

Complaint narrative:
FED LOAN SERV XXXX Never Late Improper Amount Inaccurate Duplicate Loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
During Covid, my husband and I elected to proceed with a payment deferral on our mortgage. XX/XX/XXXX, We received and signed paperwork to restart payments in XX/XX/XXXX. We resumed payments as we agreed in XX/XX/XXXX, today there is over {$10000.00} in a funds held account that Have not been applied to our mortgage despite my near weekly calls since XXXX. I received a multitude of responses such as the payment deferral is being processed or after three or four more payments the payment will be applied appropriately. We were assigned a home preservation specialist. I have sent him numerous emails with only one return phone call back. To date, over 90 days after my initial call and over five months after I returned the paperwork, no updates have been made to my account.

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
ACIMA CREDIT FKA SIMPL XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
As a result of the Covid-19 pandemic I was laid off of work on XX/XX/XXXX ... I immediately called my mortgage company ( Select Portfolio Servicing ) and alerted them to my situation ... .I called as instructed on the 10th of every month to update my status, which remained unchanged, with SPServicing as instructed ... Additionally, in my communications with them I wanted to be made aware of any potential long term solution ... .With the magnitude, complexity and unpredictability of the virus little was done for months with policy guidelines that loan services were dictated by ... .It wasn't until XXXX that I received a request to make 3 monthly pandemic related payments of {$170.00} which would enroll me into the pseudo pandemic assistance program ... .I immediately called and asked to speak with someone that could explain the guidelines and parameters that SPServicing was going to use to determine any forbearance or deferment ... .I continued to check in on a monthly basis while still not having had a single return call as to an explanation in detail of the " pandemic assistance program '' that was being offered ... .A second request was sent for {$170.00} per month to be entered into the " pandemic assistance program '' ... .I immediately called ... .Got the same vague explanation about requirements and guidelines ... Reluctantly made the 1st payment and then received a determination from SPServicing requesting 3 years worth of payments to be made at {$2300.00} per month for 36 months to make up for the deficiency and arrears on the mortgage ... .Collecting a {$120.00} per week on unemployment I am sure you can sense my alarm at their repayment plan ....!!! ... My normal payment is {$1500.00} ... .I immediately called them and explained the feasibility of being able to pay this amount as impossible and immediately appealled the payment restructuring ... XXXXI formally appealled on XX/XX/XXXX via email ... .I also called on XX/XX/XXXX to verbally verify receipt of my appeal email ... I received verbal confirmation as well as electronic confirmation that the appeal email was received ... ..As I continue to call on a weekly basis SPServicing will only state that they loss mitigation department isn't connected with the servicing department and that loss mitigate will contact me in 30 days ... .I find this situation has not been handled as it should have been ... None of my own financial criteria has been used to formulate any assistance aside from not reporting as delinquent or filling for foreclosure ... .My latest call today to SPServicing produced no changes in status with loss mitigation and my appeal ... .Very disingenuous that in my very first call in XXXX of XXXX, which was recorded, that forbearance and deferment were all that was discussed ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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:
Please remove the items, that do not belong to me and these unknown accounts are not mine. Thank you for understanding and I hope you will investigate identity theft in my case. My personal information was used and abused as a result.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/2020 I received a welcome letter from Alliant for opening both a checking and savings account on XX/XX/2020. I phoned Alliant on XX/XX/XXXX about this notice because I did not open either of these accounts. The person I spoke with confirmed that someone had opened these accounts in my name with my accurate date of birth and social. While no money was deposited into the checking account, {$5.00} was deposited into the savings account. The 10-digit member account number for this account is : XXXX. When I told her that I had not opened either of these accounts, she forwarded me to their fraud department where I reported the incident. I asked that both these accounts be closed. I later reported this as fraud to XXXX  I am following the instructions of their fraud department in reporting this to you now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CarMax, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/2020 several charges on my checking account for a XXXX XXXX i immediately called the bank informing them of fraud charges on my account, in the amount of {$600.00} I NEVER authorized a XXXX anything. the bank was notified several times by myself that my identify was stolen. i immediately went to the police dept to file a complaint with them regarding my checking account and also it was discovered that 3 store credit cards were opened in my name along with a loan thru a company called " XXXX '' i had notified all 3 credit agencies my credit was frozen for 7 years, XX/XX/XXXX i received a letter from td bank saying that the charges were valid. several XXXX charges within minutes at different locations in another state. on XX/XX/XXXX went went into my account and charged me the {$600.00} and no they are hitting me with over draft fees, i was informed today by TD Bank that there was nothing they can do> This identity theft has been an absolute nightmare and i have supplied td bank with the police report, proof my credit was locked for 7 years to do identiy theft, i have filed also with identity theft.gov. I deo not understand why my bank is doing this. also the detective has reached out to them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I asked Regional Acceptance Corporation on XX/XX/2021 why do I owe them a debt, why is it valid, and to verify why I owe them a debt because I don't believe I owe them, they sent me a contract. The contract they sent for verification is completely illegal. I assumed I was the original creditor, as well as a consumer making a credit transaction with a finance charge involved. I can't pay that in cash and I do not recognize this illegal contract they sent for verification. I believe they should take it off my consumer reports and files and remedy me for their violations.

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 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: OK

Complaint narrative:
Recieved a letter from Unifin Inc. on behalf of XXXX XXXX XXXX XXXX in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/XXXX, I called Chase Bank to open a savings account. Their representative XXXX XXXX XXXX spoke with a manager and granted my special request as I have an existing checking account, but am no longer living in a state with a branch so I am unable to open this account in-branch, nor online, as there is a location restriction that also blocks online applications when there is no branch in your state. Chase told me all I needed to do was sign a signature card and return it along with copies of identification and opening deposit. I did just that on XX/XX/XXXX. However, on XX/XX/XXXX, everything was returned to me without explanation. I called Chase and was told to send everything back along with a billing statement proving my current address matches what Chase has on file. I did just that that very same day. On XX/XX/XXXX, I called Chase to follow up. They are returning everything to me, yet again, this time citing my savings account can not be opened because I need to open it in-branch or online. Chase Bank has been giving me the runaround. None of their representatives are on the same page and XXXX does not return any of my emails. One agent tells me my request has been approved and then another tells me the exact opposite. Chase is showing very poor customer service and providing me with false promises. I do NOT know who to trust. This has been an absolute nightmare.

Company response to consumer: Closed with explanation