vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Ppp loan from government. My bank is put a hold on the funds, requested documentation, I have sent the documents 15 days. They still didn't release the hold from funds. And they don't give me time frame how long will the process take. I got this loan from government, now I can't use it. This is so unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc.
State: TX

Complaint narrative:
I received a copy of my credit reports and it reflected a collection account from Nemo 's Collections. I sent them a certified letter # XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 and it was returned to me with the following yellow tag - " Return to Sender - refused, unable to forward ''. I mailed the letter to the address that was notated on the credit report, I also confirmed this address on their website as well. I have attached supporting documentation for your review. 

I am requesting validation that this debt belongs to me. If they can not provide documentation to support that this is in fact a debt that I owe, I am requesting that this collection account be deleted ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am disturbed that you continue to report the dismissed bankruptcy as confirmed within my credi fiile. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for 10 years, the Fair Credit Reporting Act says nothing in srction 1681c relating to bankruptcy about dismissed or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case civil or otherwise, which is dismissed no longer exists, in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681a5 of the FCRA you must delete this information from my credit report and send me a new copy right away.

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 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Creditor Credence RM reported a derogatory remark on my credit report randomly without proper notification of the debt. I had absolutely no idea the debt even existed when the company reported it. The derogatory remark hurt my credit score in a major way. I was not properly notified about the debt. Its such a small amount, I would have paid it if I were made aware. I contacted the company about not being properly notified and if they could remove it from my credit report and they said No. I was willing to pay the debt off, but I would like it removed from my report and the company refused. They could not prove to me their attempts notify me, but still refused to remove it from my report. The creditor is Credence RM and it was placed on my report on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App advertised on its XXXX app that if I had my work direct deposit sent to my account with Cash App, that they would give me a {$50.00} credit on my next transaction of {$50.00} or more. I satisfied those terms and made a purchase at XXXX. The transaction was canceled and I was refunded the amount minus the {$50.00} credit. That is fine, but now Cash App wont re-enable the credit for a future transaction, so effectively I was taken advantage of by having funds sent to Cash App and at when the opportunity arose, they kept the promotional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I bank with Wells Fargo. I pay the minimum every month with auto pay. This month the auto pay switched to pay the fullbalance of card without my authorization on XXXX XXXX dollars was deducted from my account making my account over draft with many fees associated. Over {$3400.00} was taken from my checking and another XXXX taken from my savings. 
I now have a negative balance of {$870.00}. i am unable to pay other cards and gym memberships and my rent. I contacted Wells Fargo credit card on Sunday XX/XX/XXXX and was told the funds would be placed back in my checking account by Wednesday XX/XX/XXXX. ON XX/XX/XXXX i check and no funds were place back in checking and savings account. I called again on XX/XX/XXXX and was given the run around and they said they did not take the funds, so i raised a dispute because no one could clearly tell me where the the funds from my checking and saving went.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to access for Equifax credit report through XXXX since the pandemic has began. Every time I attempt to get my report I am told that I would need to mail in a form along with required documents or call into Equifax directly in order to get my report. Once the report is mailed to me, I find the questions I am being asked have nothing to do with my report and all of the personal information asked of me is correct on my report. I have also called into Equifax directly and advised of the situation as late as this week ; I spoke with someone at Equifax who verified all of the information as correct and assured me that I would not have any problems going forward. Today, I go to access my Equifax report through XXXX and I am still having the same issue. When I try to access my reports from XXXX and XXXX using the same information there is no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I placed an order from a website for an electronic, robot operated litter box. I never received shipping confirmation or tracking information and when I went back to the website it had completely vanished. I opened a dispute with PayPal since the payment was made via their services. PayPal then " closed '' my dispute because the " seller provided tracking information '' Upon reviewing the tracking information I found that a ) the package was supposedly delivered at a time when I was home. There was no knock, no postal delivery person and no package. The tracking information also said that the item was shipped via " parcel select lightweight '' which only covers very lightweight mail and packages. This litterbox would weigh in excess of 25 lbs and there is absolutely no way that it could be shipped via this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
How can I have excellent pay history and yet such poor credit scores by only Transunion and XXXX? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both Transunion & XXXX cite this as one of the reasons of my low credit score. Transunion and XXXX are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )

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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I called into XXXX to acquire documents that XXXX should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by XXXX supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the XXXX agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, Transunion ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer 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 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I had a vehicle loan with Ally. They mistakenly applied funds to my account showing it as paid in full. This was brought to their attention and they reopened my account on XX/XX/21. However, my account is showing past due for XXXX. I could not pay my payment in XXXX because the account was closed. They now expect me to make two payments in XXXX to account for a mistake that was solely theirs. I dont think this is fair.

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 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
In the reply to my complaint the company stated the following '' After receiving XXXX XXXX complaint, XXXX XXXX XXXX  reviewed the file and will send XXXX XXXX the modified agreement. XXXX XXXX XXXX, XXXX prides itself on compliance with all federal, state and local laws and regulations. We encourage XXXX XXXX to reach out to us directly if she has questions or concerns or if we can provide any additional assistance in resolution of this matter. '' THEY STILL HAVE NOT REVISED ANYTHING ON THE AGREEMENT NOR SENT IT TO ME. IAM NOT PAYING FOR ANYTHING AT THIS TIME. THIS IS RUINING MY CREDI TAS YOU ARE REPORTING I AM NOT PAYING. IVE CALLED YET AGAIN AND I WAS ADVISED I WAS GETTING ANOTHER MODIFICATION AND STILL NOTHING. 

refer to closed case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
Southern Management Systems is a third party debt collector that has been illegally harassing me trying to collect debt not owed since XXXX in the amount of {$2000.00}. Using debt validation letters I finally got them to cease and remove all negative marks from my report on XX/XX/XXXX. I have not been able to get an apartment or home since XXXX because of this company. Ive had to live with friends and family the last 5 years because this company ruined my reputation by furnishing false information on my consumer report. A deletion is an admission of the fraud being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: NM

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX advised them they are calling a business

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 2021-09-17 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her permanent and totally XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to Navient by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX  on today with Navient and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, Disability letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my XXXX credit report it isn't reporting on any of the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: GA

Complaint narrative:
disputed with the three credit bureaus and XXXX and XXXX  have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXX XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX Account Number : XXXX balance : {$1400.00} Theft XXXX Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
This card was LOCKED on XX/XX/21, and has NEVER been unlocked since. 
On XX/XX/21 - 2 pending charges for XXXX/ea appeared from XXXX  XXXX. I called Barclay on XXXX ( XXXX was a holiday ) when the charges were still pending. I was told by the rep that she could see from her side the 1st charge was declined and would fall off. She could not tell at that time if the second charge was or would also declined but stated it should be since the card was locked. She said if the charge went thru to call back and my account would be credited. The first charge did fall off but the second went thru and I called back on XX/XX/21 after it said processed. I was shuffled around from dept to dept as they all passed the buck on whos problem it was and who could issue the credit because " customer service doesn't have that ability. '' WOW- really? I have had a rep, a supervisor and others confirm the card was locked XX/XX/21, that the charge should have been denied and that I would get a credit from Barclay. A supervisor even stated more than once ( on a recorded line ) that this was a Barclay mistake not a merchant mistake. I was told more than once by multiple people I would get a credit for the XXXX. This still has not happened. I was also told I would get a phone call and/or email from the last gentleman who was also supposed to be a supervisor. Nothing to date. I called back in today XX/XX/21 to check on the situation and was put right back into the pass the buck blame game on other departments. 
The entire point of locking a card is so that NO new charges come thru. This was not a recurring or subscription charge that is exempt from the locked status. 
Barclay need to take responsibility for their mistake and issue the credit for {$32.00} and stop trying to give any excuse possible for their glitch, wrong algorithm or whatever caused this mistake on their end. 
I just want them to do what they have repeatedly said they would and issue the credit I am due. Feel free to pull up the recordings from each time I have called.

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 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
According to FDCPA 15 U.S.C 1692G and FDCPA 15 U.S. C 1692D., you are in violation of my consumer rights by furnishing this inaccuracy on on my consumer reports I am demanding this file be removed immediately

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 2021-09-17 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint pertains to ACH payments that were never authorized by myself and I had made clear to Cap One that they should not take 3rd party payments of any type by both phone and by letter that was delivered to Cap One through their secure email system. I have this email and the proof it was sent attached. Capital One did remove all fraud activity but the 2nd application of fraud is the ACH and Over the phone payments that were made by 3rd parties, from accounts that nobody in my family have any relationship with. All of these fraudulent payments were made to attempt, as I believe, to pay down the capital one XXXX ( had a XXXX balance ) and Quicksilver Accounts so that they could " trick '' capital one to allow the accounts to have more of a balance. This worked to a certain level and I called Cap One to remove the fraud, they did, but did not remove the ACH or Call in payments ( Fraud as well that should have been removed when the original fraud was removed since they are related ). This closure is ridiculous with a long-term client who warned the company not to take any 3rd party payments without my vetting in advance. This did not take place and Cap One posted the payments completely against my directive to them that is attached.

Company response to consumer: Closed with explanation