vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/2021, I received an email from my bank, LendingClub, informing me that my account was locked pending further review. After calling customer service, I was told that the account was locked due to ACH transfers between accounts with different owners. Specifically, ACH transfers between my mom 's XXXX XXXX XXXX Account and my account at LendingClub.

In order to unlock my account, I was informed by LendingClub that I needed to add my mom 's name to my Lending Club account. I and my mother agreed. On XX/XX/2021, both my mother, and I received docusign emails which added my mom 's name to my LendingClub account. All documents were signed and returned to LendingClub on XX/XX/2021. 

On the same day the documents were signed, XX/XX/2021, I sent an email to LendingClub asking for a status. No response was received. I sent several follow up emails, but still no response was received. On XX/XX/2021, I called customer service to get a status update. I was told that my account was still under review. I was further told there was nothing more needed from me, and the matter would be elevated to " urgent ''. 

I subsequently called LendingClub every single weekday, including today, to get a status. Each time, I was told there is no new status, that the matter will be elevated to " urgent ', and that I would contacted shortly. To date, nobody has contacted me, which is why I continue to call daily. 

At this point, LendingClub has had my account locked for almost a month without any explanation. There is a relatively sizable sum deposited in my LendingClub account. Locking me out of my account as resulted in some serious financial consequences to me and my family. Unless this is resolved very quickly, my family may suffer irreparable damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Called the company and was told to report this fraudulent activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Still waiting on Chase to complete any of their 'promised ' actions. 

My taxes are still up paid. I have 13 phone call requests into Chase now since XX/XX/2021 to do any of the following : 1. Pay the taxes for my property that are now 1 year over due. These funds have been provided to them ( all onetime ) each month via my mortgage payments and have been escrowed for this purpose. 
2. Explain to me why they have made payments from my account that have not been received the XXXXXXXX XXXX XXXXXXXX ( yet have been deducted in my account causing a deficiency in funds in my escrow ) - I was told two weeks ago this info would be sent to me as it couldn't be provided via phone. No info has been sent. And based on a call today none has been sent to date.

3. Why I am getting refunds in my account for payments that have not been sent by the City.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX. I like to file a complaint against this collection agency for trying to collect a fraudulent debt that does not belong to me. This collection debt is listed on my credit report and this company continuously report this debt, even after I have filed a dispute with the credit bureaus about this. I have attached an Identity Theft Report with this complaint. I have never had or applied for service with XXXX with whom is listed by the collection company upon my credit report. I want this fraudulent collection removed from my credit report immediately. I am a litigious consumer. Under Federal Statue and specific remedies include : The Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), and 1692f ( 1 ) imposing liability on third party debt collectors and debt buyers for reporting false credit information and collecting amounts not agreed to by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am a consumer of the United States Corporation. Navient has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i had a 5 year car loan that i paid off in XXXX almost 2 years early. 
my FICO score dropped 23 points after i paid it off. the company that handles FICO scores told me it dropped because they`re no longer factoring in the car loan. i have never been late paying my bills. its just another example of being punished for doing everything right.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not DBA " XXXX on 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 2021-11-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not DBA " XXXX XXXX XXXXXXXX ''

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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I opened an account with PayPal early this year, around XXXX time. I opened it on recommendation from a friend who uses it to make deposits and withdrawals to online casinos. I have similar interests, so the service appealed to me. Since opening it I have used the account on a fairly regular basis to also deposit and withdraw from online casinos. To confirm, all the casinos I play at are regulated by the state and actively advertise their association with PayPal for use with their accounts. 

A few weeks back I had some luck at one of the casinos and was able to make some large withdrawals to my account. Then, on XX/XX/XXXX I tried to send some of this money to my friend who also uses PayPal. The transfer was declined. The next time I logged into my account I had requests for documents to prove my ID and ownership of my bank account. I thought this seems perfectly normal as the transfer was quite big and they might have checks to complete. I provided the information they requested on XX/XX/XXXX and XXXX. 

They also had asked me what the purpose was for a range of different transactions on my account. All but one of these were casino deposits and withdrawals, which I found strange because surely they'd know what those transactions were. I provided the requested details regardless. 

However, I have now received an email saying that my account is being closed and they are seizing my money! The balance of my account is {$15000.00}. They are saying that they are keeping my money for 6 months! They can not be allowed to do this. What right do they have? I need your help with retrieving my money, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Back in XXXX, we were looking at moving companies. I authorized a down payment for a moving company to book the service and lock in the rate. Come to find out that they lied to us and doubled the price. We told them we weren't going to be doing business with them and they charged the card for {$1000.00} without our consent. I brought it up to Citi and for MONTHS have been bounced around to different departments but they refuse to help me. The response I got was " you gave your card number to a company. You therefore authorized them to use your card for their transactions even if you didn't sign off on this charge. '' That's completely unacceptable and insane to think that they can charge my card for whatever amount they want without my consent and it's okay because I 'gave them my card number '. That's exactly the definition of a unauthorized charge. Citi has refused to escalate my dispute further and refuses to help me with this transaction.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Initially started forebearance back in XX/XX/XXXX then I requested to be cancelled shortly before the XXXX 's mortgage payment was due. I then made 6 months of consecutive payments until XX/XX/XXXX then restarted the foreberance plan. Fast forward to XX/XX/XXXX, roundpoint customer service rep stated i don't qualify for my full 18 months of foreberance because they counted the 6 months gap as part of the 18 months. Then I proceeded to escalate the issue to roudpoints " escalation team '' they have stated in an email saying I do qualify for the full 18 months. I have called in multiple times between the date XX/XX/XXXX until XX/XX/XXXX, roundpoint customer service stated on the phone the task is still pending.

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NJ

Complaint narrative:
I, XXXX XXXX have received an inquiry on my credit report after getting on a car lease with XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.

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 2021-11-03 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: IL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Kriya Capital, LLC
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. CREDENCE RESOURCE MANA Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. CAPITAL ONE BANK USA N Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation