vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I have a complaint against the XXXX company, they say they sent the validation letter in 2020, but so far there is no letter that their legal department will be in charge. Are they suggesting that they will send me to court? 
In the absence of validation and violation of the FCR, remove this account from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX in which Capital One was included as a part of my debt. The bankruptcy has been discharged, but Capital One has continued to report on my credit report as late, it was reported to XXXX as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Open new account line with Idaho Housing Financial without my permission.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: LA

Complaint narrative:
Last XXXX2020 I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of XXXX  Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.

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 2021-01-07 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: NV

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : 2. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

3. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

4. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

5. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

After calling numerous times, Equifax has not deleted these items when XXXX  and XXXX  already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TN

Complaint narrative:
Last XXXX.2020 I've file documentation regarding to those unknown and inaccurate accounts that I found on my credit report. It cause me a lot of stress since no response yet its almost 60 days now. Im a victim of Equifax Data Breach and I demand to REMOVE ASAP those accounts on my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank Financing. I spoke with a Chase  rep on XX/XX/XXXX who offered me until XX/XX/XXXX ( car note due date ) to make a payment on my loan which would have made me eligible for a forbearance where the 2 missed payments are placed on the back of my loan. She stated the payment must be made on the XXXX otherwise it would roll over into next month 's payment and the forbearance would not apply. She acknowledged I had good history with making my car payments until recent. I agreed to make a {$370.00} payment on XX/XX/XXXX via online payment to qualify for the forbearance. Instead, on XX/XX/XXXX, I received a notice that Chase had accelerated the loan and was demanding full payment. On XX/XX/XXXX Chase locked my loan account so no payments could be made online and it remains locked to this day. They demanded full pymt via a branch or XXXX XXXX which is ludicrous considering Covid. I have a recording of the call which Im sure Chase does as well. 

Not sure if this was suppose to be a scare tactic but it is very aggressive and shady behavior which may also be motivated by prejudices against minority customers. Chase is attempting to force a repossession instead of following through with special lending options meant for all debtors. I should not carry the burden of the Chase representative giving misleading or bad advice ( if that was the case ). 

Please note : no correspondence from Chase provides a full accoumt number but I have provided a notice with some PII to search my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
I am working with Lakeview loan care servicing on what I have been lead to believe are escrow funds that they owe me in the amount of {$2900.00}. I have complied with all of their requests and they continue to delay the disbursement of funds that I am rightfully owed. According to their records a check was sent in XXXX that was never deposited. I did not receive this check and was not alerted it had been sent until I received a letter ( attached ) from them in XXXX of XXXX informing me that the check had never been deposited. The letter informed me that if I requested the funds be resent by XX/XX/XXXX I would receive payment no later than XX/XX/XXXX ( 8 weeks ). After the XXXX passed I called again on the XXXX to ask what had happened and their representative informed me that nothing had been done on their end and that she had put in a request for the funds to be cut and mailed no later then the XXXX of XX/XX/XXXX. I called on the XXXX of XX/XX/XXXX to confirm that this had happened and was informed by another representative that this also had not happened. If I had owed them this money to them for XXXX+ years I would undoubtedly be in collections at this point.

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 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-07 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: FL

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX in which XXXX XXXX was included as a part of my debt. The bankruptcy has been discharged, but XXXX XXXX has continued to report on my credit report as late, it was reported to Experian as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my 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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hi. I have XXXX in the bank Wells Fargo that is on hold. It was suppose to be on hold for 24 hours, and now it was put on hold for a week and now my account is overdrawn. I need that money off hold ASAP. I have bills that need to be paid and Wells Fargo is making it hard to do so.

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 2021-01-07 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSOC # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NRA Group, LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, NTL RECOVERY AGENCY # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.

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 2021-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XXXX of 2020 I used a sister branch ATM to deposit {$2000.00} cash to my savings account. It was not immediately posted to my account. The bank issued a provisional credit one week later and 60 days later reversed the credit resulting in funds being taken from my checking and my account being over drawn. The sister branch found the error and issued the credit days later. My bank has yet to release the funds and credit my account. They also have incorrectly taken {$1800.00} out of my checking account. They have been rude and very unhelpful during this entire process. My accounts are both in danger due to their negligence and incorrect processing.

The sister credit union was very cooperative and even called the institution to help address the issue and correct the error. They are very concerned by how its being handled by Navy Federal since they were on the calls with me they have first hand knowledge as to how they have responded to this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
On XX/XX/20 I received an fraud prevention email about a XXXX ride purchase using my credit card number. I clicked the button indicating that I didnt recognize the purchase and immediately called Capital One. My card had been used for several rides so I disputed the charges and was given a credit for each charge. About a month later I noticed the credits had been reversed. I called and was told that XXXX disputed the chargebacks and that I should elevate the case to the fraud department. I did and was credited again for the charges. Then on XX/XX/20 the charges returned again! I called and was told that I wasnt allowed to file the charges as fraud since I had already filed them as disputed charges and that I should have responded to a letter about disputes two months prior. I didnt respond to the letter because I assumed my case was elevated to the fraud department and that superseded the regular dispute. Both the initial representative who recommended I escalate the case to and transferred me to the fraud department AND the fraud department representative who processed the claim should have known whether or not I could file the case as fraud or not! I was given misinformation all around and misled to believe that the charges were taken care of. I can clearly show the ride history on my XXXX app and the charges on my card do not match. It shouldnt be so difficult to get my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
File an complaint on my hsn account number XXXX my credit card been cutoff since year of 2001 my credit card been forergy bye some one vandalize my home while credit card was in my home & purchase some items off my credit card charging me for the items been purchase.

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 2021-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
Has called my cell phone several times XX/XX/20, XX/XX/20, XX/XX/20. Left several messages stating they were contacting me from the processing dept and they received an order and will actively pursue my place of residence or employment to serve me papers. 

They also called my ex husband on his cell phone on Monday XX/XX/XXXX and left the same message. 

On XX/XX/20 suspecting scam/fraud I called the number left on the voice mail at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) and spoke with a female who provided the name of " XXXX. '' She providing me with all of my PII ( all correct unfortunately ) stating I have an unpaid debt from Ace Cash Express in the amount of over {$900.00}. She suggested I pay the " discounted '' rate of over {$500.00} to avoid the following- Says a Process Server or Courier is coming with papers to sign Threatened to go to my place of employment Insists I have been notified via several mailed letters to my current address Refuses to give a company name or verifiable Contact source Refuses to send proof of debt via US mail Repose of my car ( stated accurate and current vehicle info ) Can have my accounts/ funds frozen I have never opened up an account/loan to Ace Cash. I obtained my credit report and there is not any recent incorrect activity and nothing listed for Ace Cash. 
I tried calling back several times to speak with someone in regards to incorrect info and was hung up on each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: TN

Complaint narrative:
I have received phone calls from unidentified reps of D2 Management LLC, I only was made aware of the company name when I returned the call after I was repeatedly asked for personal information including DOB, SS # even my phone number after calling me. When I asked several times for them to identify themselves, their company, and the purpose of their call they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX, and XXXX XXXX was included in that debt. The bankruptcy has currently been XXXX, but XXXX XXXX report to my credit in XX/XX/XXXX of the account being late. That is not correct information because I had filed bankruptcy and been released and have no other credit card accounts with them.

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