vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: MA

Complaint narrative:
Currently in litigation at XXXX XXXX XXXX Case # XXXX, I received a presentment postmarked XX/XX/XXXX from XXXX XXXX who represents JEFFERSON CAPITAL SYSTEMS. Regarding Case # XXXX, Account # ending in XXXX, with a XXXX # XXXX, for the amount of {$990.00}. I have requested Validation of Debt not once, but twice. Sent via Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The second request Certified Mai l # XXXX XXXX XXXX XXXXXXXX XXXXon XX/XX/XXXX. Let it be known that this very moment, I still have not received a Validation of the alleged Debt. The responses to my inquiries were duplicate packets with letter and statement of account dated XXXX XXXX from the office in XXXX, Wisconsin. Not from the office located in XXXX, Massachusetts where the Validation of Debt inquiries were sent and signed for. Also, two copies of what was submitted to XXXX XXXX XXXX were sent to XXXX XXXX XXXX Attn : XXXX XXXX, Clerk Magistrate in XXXX XXXX, Massachusetts for Case # XXXX via Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX and Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. They can not validate the debt because they can not produce an Original Contract. As a matter of fact, per my credit report dated XX/XX/XXXX the alleged debt that I am being sued for was closed and written off, then purchased by another lender. Notice, it is a fact, and I am aware, you can not represent as an attorney and collect a debt at the same time without being a debt collector. Thats violation of the 15 US Code 1692e ( 3 ) and I am in litigation with a third party as they were not involved in the original transaction, nor do I have any contract with them, and I do not consent to this third party to being in my affairs. All testimony or representation from this third party is heresay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX XXXX, I reached out to Bank of America to inform them that both my vehicle and purse were stolen between XXXX that same day. Although my debit card had been placed on a lock the night prior at XXXX via the Bank of America XXXX XXXX ( with email confirmation ), the suspects were still able to use my card to make XXXX different transactions at XXXX different stores causing my account to go into negative. When speaking to the representative, they hadnt flagged anything until I made the initial call. They opened a claim saying that it needed to be researched and processed. Next day, XX/XX/2022, called again to give them the police report number and the name of the police department, the rep added the information to the notes. Called again Tuesday because account is still in negative, rep stated claim was still being reviewed although they have all this information all while XXXX dealing with my vehicle being stolen along with all my personal information. It is not Thursday, XX/XX/2022 and my account is still in negative and the claim is still being researched although this shouldnt have never happened in the first place when my bank card was locked using their mobile application.

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 monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I was scammed on my Wells Fargo account. I applied for a job through my community college ( XXXX ) here in XXXX XXXX and took a job as a XXXX XXXX XXXX XXXX XXXX XXXX The job required for us to do some task for them, they would send a cashier check for us and we were to deposit it in our account. So once the first check came in I deposited to my account, and the bank accepted. Once the check was accepted ( XXXX ) my task was to send money to a charity through XXXX. the check was accepted of {$1500.00} without pending and i figured the money was good to send. the next day ( XXXX ) the check bounced back and my account was over drafted {$1300.00}. At this time i realized it was a scam and called Wells Fargo to report a scam and start a claim that same day. I made a few follow up calls between the 10 business days for the claim to be processed. on XXXX i called for a follow up because it was passed the 10 business days with no answer or email from them. Wells Fargo stated my claims were closed and denied.

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 2022-10-13 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: EQUIFAX, INC.
State: DC

Complaint narrative:
What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX XXXXXXXX XXXX Balance : {$110.00}

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 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
have received repeated calls from XXXX but my spam blocker does not allow call to ring my phone, notifying me of an incoming call. today at XXXX XXXX  I received another blocked call from the same number. I called the number back and it states that it is Transworld Systems Inc. I have no idea who exactly is calling or why. a XXXX search informed me that they are a collection agency for various clients. I have not spoken to anyone at this number at any time they have been calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened an account with Pentagon Federal Credit Union on XX/XX/22. Prior to opening this online account, I submitted all of the requested information to verify my identity and establish worthiness of being issued an account. 

Since opening the account I have made a total or XXXX accounts ( unable to access account for reasons to be disclosed later ). On XX/XX/22, I made a mobile deposit of a check written from a reputable business/ my Attorney 's office and received the usual notification that there may be a usual and customary delay before gaining access to the funds. After that deposit, I attempted to take care of monthly financial obligations for which the account already had funds available. On XX/XX/22 I received notification from my mortgage company that there was an issue with my XXXX monthly payment. When I logged onto the mortgage company website for further details I was then informed that my account was blocked. 

Supposedly my account was blocked by PenFed on XX/XX/22 yet this institution has made no attempt to notify me. They have my phone number, email address as well as mailing address yet my first notification that there was an issue with my account came from my mortgage company. This is yet another example of the incompetency and discriminatory behavior of this company and its employees. 

I attempted to access my PenFed account and received a pop-up message that my account was blocked and contact information was provided for additional information. I contacted the phone number provided and was told that there was suspected fraudulent activity on my account ( what exact fraudulent activity is unknown to me and PenFed refusing to elaborate any further ) and as a result my account is blocked. I am now required to submit additional documentation to verify my identity ( once again for reasons undisclosed to me ) and I am not only denied access to the funds that were already available in my account but also the funds for the recent mobile check deposit. This has resulted in all of my funds for paying monthly financial obligations frozen with an unknown release date. In all of my years of dealing with the banking industry, I have never had an entire account frozen due to a mobile check deposit. At the very most, access to the funds related to the mobile deposit in question would be delayed by XXXX weeks at the most. I am unfairly being discriminated against due to reasons undisclosed. This has created an unforeseen financial hardship for my family in addition to unnecessary stress and in adverse effects on my health.

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 2022-10-13 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 — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: FL

Complaint narrative:
XXXX XXXX. Written statement describing the situation that led to your dispute. 
Answer to my best of my knowledge I was attempting to make a purchase on around XX/XX/XXXX or XXXX which at that moment I noticed card was missing or lost. After realizing my card was lost or misplaced, around XX/XX/XXXX, my self and my girlfriend tried to find the missing or lost card with out success we tried calling customer service number registered on my phone directory. However my location out of the country connection problems. I was not able to complete the call. 

Company Questions A copy of the police report which sustains your claim. 

Answer I don't have XXXX! 

Question ; Would like to have a complete police report which includes the following details : Answer to my best of my knowledge I am personally providing information via this method and I have call customer service on XX/XX/XXXX of 2022 Question ; Circumstances surrounding the lost card - complete narrative. 

Answer to my best of my knowledge. I have provided this information via telephone call with my girlfriend and myself after succefuly contacting customer service department on XX/XX/XXXX. my girlfriend spoke to customer service department and they succefuly got her a translator she was able to give details information about the lost card so was I eventhoug my condition was fragile at that moment while on the phone this information was giving on great detail Note : On thursday XX/XX/XXXX my XXXX was calling she was told several times " No Spanish '' In XXXX occasion on Thursday XX/XX/XXXX they place place her on hold the call got disconnected. 

Question Company When the card was discovered missing. 

Answer to the best of my knowledge On around XX/XX/XXXX or XXXX of XXXX of 2022. 

Company Question Unauthorized transactions that took place. 

Answer to the best of my knowledge After reading information you have provided the following dates are listed XX/XX/XXXX ( XXXX times ) and XX/XX/XXXX ( XXXX times ) Answer Those are Unauthorized transactions. 

Company Question Are you willing to prosecute Answer Yes. 

Note : My girlfriend Human Rights Act were violented language she was humiliation due to her barrier of XXXX limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On or about XX/XX/XXXX TDAUTO Finance was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$19000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. TDAUTO Finance redeemed the the instrument on or about XX/XX/XXXX. TDAUTO Finance has not honored the contract and continues to harass and Tarnish the credit of the allege XXXX On or about XX/XX/XXXX TD Auto had a unlawful, un peaceful repossession of the allege debtors vehicle. TD is currently extorting allege XXXX fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This company is currently showing 60 days late in XXXX XXXX, 30 days in XXXX, 30 days in XXXX and 30 days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
CAPITAL ONE XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX  XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I requested a refund from EdFinancial for all of my payments made during the XXXX payment pause. XX/XX/XXXX {$18000.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} They told me they will submit the request. On XX/XX/XXXX I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. I have spoken with EdFinancial On XX/XX/XXXX and XX/XX/XXXX, on both occasions the agents told me that my refund request has been denied because the payment was made by a third party consolidator. I have filed a complaint on CFPB ( XXXX ) that was closed today by EdFinancial with the same information, they are unable to refund consolidation payments. 

I did not consolidate my federal student loan during the payment pause. I had a third party payoff the balance of my loan. 

EdFinancial states : " You may view more information about the XXXX XXXX at https : XXXX ''. It clearly says on that link that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' It does not state clearly anywhere on that website that a payment made during the payment pause from a third party consolidator, third party refinancer, or third party <fill in the XXXX can not be refunded. EdFinancial is not adhering to the guidance published by U.S. Department XXXX XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM

Complaint narrative:
Made complaint XXXX XX/XX/XXXX on mortgage company XXXX has a service rating of exceptional poor or one star. There have been class action on their escrow service and failure to pay insurance. 
My complaint logged XX/XX/XXXX about their escrow account reimbursing home owner insurance before a proper audit was conducted in XXXX. The reimbursement was sent to me in XXXX. Which then caused a shortage and a proposed increase on the mortgage payment from {$1300.00} to {$1500.00}. I paid my county taxes had sent the mortgage payment of XXXX for XXXX payment which they received. I called XX/XX/XXXX to tell them the county taxes were paid XXXX and that I was dropping the mortgage to just mortgage and principal which comes to {$1000.00} for XX/XX/XXXX. I was told that there was a minus XXXX on the escrow account which didnt make sense seeing that the payment coupon sent for XXXX didnt not show a negative balance but a balance ( XXXX ). 
I had a heated exchange with the company and stated that there was no way it was short especially have the recent they received. The stated it is in suspension balance because the payment of XXXX wasnt received and that a late payment will be applied after the XXXX of XX/XX/XXXX. 
I was told until the escrow account is on a positive balance then it will sit in suspension even after they had received the XXXX payment. I had given them the county tax account number XXXX and receipt number XXXX to show the taxes were paid. 
I didnt enter into a mortgage agreement with Pennymac it was assumed shortly after XXXX XXXX signed it with me. My first dealings was XXXX of last year with Pennymac by constant phone calls which I dont take because of my XXXX issues. I finally relented and called to see why the were calling and blowing up my phone. They stated that my mortgage payment had gone up in XX/XX/XXXX and that it was sitting in suspension and wanted almost a XXXX dollars increase to the payment. They said that they would take it over the phone to make the payment current. I asked for the address and asked why I had not been notified in writing, they stated all correspondence had been sent back. I told them I had not sent it back then asked for the address for which the sent correspondence. It turned out it was my physical address which I dont receive mail at but all correspondence goes to a XXXX XXXX XXXX I sent them a check for the amount requested but they still made a 30 late payment on the credit report even tho I have my bank electronically transfer money from my account and check mailed to their address. Now this mess again and I dont trust their accounting seeing it was their improper audit that screwed up the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causer to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: OneMain Finance Corporation
State: PA

Complaint narrative:
In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation