vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, 2020 I deposited to my 360 Checking account with Capital One Bank a {$5000.00} personal check written to me from a friend. The Bank put a four day hold on the funds as is usual. On the fourth day I checked on the account and found another hold on the funds. I was not allowed access to the funds and a note was written on the account instructing me to call the Bank, which I did. Upon calling I was routed the the security department and subjected to questioning about the funds as if I was a criminal. I was asked : Do you know the person who sent this check? Ans : Yes ; Why did she send you this money? Ans : To hold for future use ; How long have you known this person? Ans : Over 20 years ; Why would a friend just send you this amount of money? Ans : To hold for future use ; Before we can release these found we will need to call this person and verify who she is. Ans : NO that is an invasion of privacy. 
When asked why they were doing all of this no satisfactory answer was given. Just because we can will not work. 
The funds for the check have been withdrawn from my friends account and sitting in my account at Capital One. Capital One is benefitting from has these funds and I do not have access to the funds. 
I have been a customer with Capital One for over 15 years. I have a car loan, credit card and personal account with transactions during the month of XXXX for over {$10000.00}. If I was a crook it would have revealed itself by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I had been communicating with XXXX about XXXX  XX/XX/XXXX and taking on a new route for better health. On XXXX.20, I decided to go forward. However, once I went through the consultation. Then I was scheduled with someone else for the program. In that conversation the representative realized my dismay and the fact of me being misled to believe the program was something else. The representative referred the manager to contact me. I was contacted immediately. At that time, I was redirected and once again it was an app needed to fulfill the program. I just received an smart phone and was not savvy with apps and it was impersonal. So, after I spoke with the rep and the manager, I determined this program was nothin which I hoped for and it was not a match and for my lifestyle at all. I contacted the manager and informed I wanted to discontinue. I sent an email to the person whom I originally talked with. After I sent email and left a voicemail without any response. I communicated with my bank for dispute. This communication was within less than 24 hours from my initial contact with the representative whom referred me to the manager. Therefore, I as a VA resident exercised my right to cancel 59.1-21.3. Cancellation of sale. As a matter of fact, I cancelled the services ALL within 24 hours. Aside from the fact, Three-Day Return Policy In consumer-facing businesses, the cooling-off rule can more commonly refers to a consumer protection law regulated by the Federal Trade Commission ( FTC ), that allows a buyer to release themselves from a purchase agreement within a set number of days of a purchase I contacted the manager and left a voicemail. No response I left a email to confirm cancellation ( attached no response ) I just want to make consumers such as myself aware of bad business practices and lack of response for resolution while transitioning to a healthy lifestyle. This behavior and handling of business is not acceptable nor ethical and possibly unlawful.

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 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I refinanced my house in XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX ( no longer in business ). I believe that XXXX XXXX XXXX was taken over by XXXX XXXX ( also no longer in business ). I am currently with Wells Fargo Home Mortgage. I have been in this house for 16 years. 

We are selling the house and have a buyer. We are supposed to close on the house XX/XX/XXXX ( next week ). I received a call from the buyers closing Atty. XXXX XXXX, XX/XX/XXXX phone # XXXX on XXXX saying there is a problem with the title on our property. He said that it was not properly discharged. He said there is no record of the refi mortgage being paid off before going to our current mortgage, Wells Fargo. He asked if I had the settlement statement showing the payoff. I found the statement and sent it to him. He said the pay off is showing to XXXX XXXX and does not mention XXXX XXXX so it is not acceptable. He said he would have to hire a title search company and that could take weeks. The settlement company was XXXX XXXX XXXX , XXXX ( also no longer in business ). We did pay for title insurance at the time to XXXX XXXX XXXX XXXX of FL ( they are no longer in business ). 

My current mortgage with Wells Fargo is account # XXXX. I called them and they were able to provide a document that does name XXXX XXXX and XXXX in the document. This was faxed to the Attorney. He is saying that it is also no good. 

The attorney said to me " I know you must have paid the mortgage off or they would have foreclosed on you by now '' since we are still in the same house. 

It is not fair to the consumer to have to prove this payment again when I did provide the settlement statement. Now I am afraid I will loose the condo I am buying and the buyer for my house. 

I am in a terrible situation right now. Any help you can provide would be helpful.

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 2020-11-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/2020 I received a text message and a call from fraud department, Barclaycard ( in attachment ) regarding charge from XX/XX/XXXX for {$210.00} this was not my charge and I decline this transaction, representative form credit card, Barclaycard said I don't have to worry thy will close the old card and replaced with new one. will not be responsible for it. I wait two weeks for a new card ended with # XXXX. 
on XX/XX/2020 I call to credit card to pay my bill as I always do. To my surprised I fine out my balance is very large, not what I was expecting. I fined out that 3 charges from old card were transfer to new card, charges from XXXX XXXX Store # XXXX from XX/XX/2020 for {$210.00}, {$210.00}, {$220.00} Those were not my charges as I said to fraud department on XX/XX/2020 when they contact me. I disputed this charges with credit card on XX/XX/2020 first by calling them and sending a letter sting all facts ( see attached ) At this time I was advised to do police report and I did that on XX/XX/2020 ( see attached ) including {$25.00} charge for copy of police report.OnXX/XX/XXXX I received two letters re this situation, one informing me that I am not responsible for charges, the 2nd letter informing me I am responsible for the charges ( both letters dated XX/XX/2020 ) The Barclays open a new investigation case # XXXX and they said I have to wait I call every 2 weeks to follow up on case but there was no new information, I spoke with supervisors but everybody was asking me to wait. I receiving bills for those unauthorized charges and I am paying a minimum on it {$29.00} per month I don't want to destroyed my credit but I don't want to pay for fraud charges. 
om XX/XX/2020 I received letter that my case was denied and I am responsible for those charges. Please help me resolved this problem. The credit card Barclays did informed me re fraud in the first place and now thy are denying it.

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 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I am a former customer of Midland Mortgage. My home was sold in XXXX. Midland Mortgage has not refunded the escrow money. I called in XX/XX/2020. I was told that the funds would be sent. The money never came. A letter was sent around XX/XX/2020 stating that the funds would be given to the State of Michigan if I did not claim the funds. I did not receive the letter until XX/XX/2020. I called again to Midland Mortgage who said they needed twenty days to check on the funds. I gave Midland Mortgage 20 days and called again on XX/XX/2020. Midland Mortgage stated that I then had to wait twenty business days. At that point in time they have no clue where the funds are. They told me to call back Monday. I called back again on XX/XX/2020 and XX/XX/2020 and spoke with XXXX XXXX who is a customer service supervisor. He told me that the funds would be overnighted to me. He assured me that he would call me XX/XX/2020 to inform me that the funds were sent. I did not receive a call from XXXX XXXX. I called again on XX/XX/2020 to customer service. They told me that they could not locate XXXX XXXX and then hung up on me. I called again on XX/XX/2020 and informed Midland Mortgage that I had not received a phone call as promised. I spoke today, XX/XX/2020 to XXXX XXXX after following up again. XXXX XXXX informed me that they failed to overnight the check as promised. I still do not have the check at this time and Midland Mortgage has made no attempt at sending me escrow funds that are over {$900.00} dollars. No proof has been provided with regard to the check.

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 2020-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed inaccurate and/or incomplete information on my credit report on XX/XX/2020 with the consumer reporting company. The investigation took more than 30 days. I sent another letter on XXXX XXXX that reached them after XXXX XXXX, telling Experian to comply with the law. Still no results after 30 days. Experian is in violation of the law and all disputed information needs to be removed from my file. 
Experian 's response was, " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' HOW? How can they determine what is sent by anyone and then choose not to act even though I have multiple letters sent to them certified mail, and the CFPB was given all identifying information in order for them to locate my report. Also the credit report number was in the body of each letter. I sent my complaint through the CFPB website and created an account. The complaint was absolutely sent by me and authorized by me. The proper action needs to be taken. Experian can't just not act on disputed information with supporting documentation. This is ridiculous.

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 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me I have attempted to write several letters since XX/XX/2020 to this company, and for some reason my certified return receipt letters would mysteriously disappear and never come back to me confirmed with the United States Post Office . 
I then sent my dispute letter to them on XX/XX/2020 via XXXX. Per XXXX, my dispute letter was received by Credit Bureau Associates on XX/XX/2020 at XXXX and signed by an individual named XXXX . I have attached evidence of this, along with the dispute letter I last sent them in where I requested they attach copies of any agreement with them that grants them the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, or authorization under subtitle D of the ARRA, SEC 13401. Application of security provisions and penalties to business associates of covered entities ; and SEC. 13407 ( 1 ) Breach of Security. By breach of security, I meant in respect to unsecured PHI ( PHR ) and where did I sign a waiver to my HIPPA rights. As of today, they have yet to send me this information. This is damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Eight fraudulent accounts were opened up in my name via SunTrust Bank. After completing an investigation and concluding that the accounts were indeed fraudulent Suntrust closed the investigation with out closing the account. When I call to inquire about the closing of the accounts I am being told that the account are still under investigation while at the same time being told the investigation has been closed. I am going in circles with this institution and need assistance in getting this issue resolved. 
The case Id I was giving back on XX/XX/2020 is XXXX. I was alos informed that they may be a student loan opened up in my name but no details will will giving to me about the loan. Customer services representative also denied me the opportunity to speak to a supervisor regarding my case.

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 2020-11-05 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: NATIONWIDE ACCEPTANCE LLC
State: AZ

Complaint narrative:
In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. After doing so, Nationwide has consistently reported erroneous information on my credit reports. Currently, on my XXXX report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This account was settled and legally paid in full in XX/XX/XXXX. I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XX/XX/XXXX and immediately settled it once I became aware that it was due. For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit. 

THEY POSTED SIX CHARGE OFFS ON MY CREDIT REPORT. AS A RESULT MY TRADELINE FOR THIS ACCOUNT IS REPORTING 60+ DAYS. THEY POSTED OTHER INACCURATE PAYMENT INFORMATION ON MY CREDIT REPORT. 

NO PROOF OF CONTACT TO ME VIA PHONE OR OTHERWISE! 

AGREED ACCOUNT WAS SETTLED FOR LESS THAN FULL BALANCE, NOT THE ISSUE. 

NATIONWIDE HAS BEEN NOTIFIED SEVERAL TIMES WHAT IS INACCURATE. 

THIS IS MY LAST ATTEMPT TO SEEK REASONABLE RESOLUTION BEFORE ALL RIGHTS WILL BE ENFORCED.

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 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
on XXXX/XXXX/2020, I requested MERCHANT ADJUSTMENT SERVICE ABOUT AN ALLEGED DEBT OF XXXX THAT THEY SAY THAT I OWE AND I HAVEN'T HEARD BACK FROM THEM SO I SENT THEM ANOTHER LETTER ON XX/XX/2020 REQUESTING INFORMATION ABOUT THE SAME DEBT THAT THEY SAY THAT I OWE.FIRST THIS IS A HIPPA VIOLATION BY REPORTING MY MEDICAL INFORMATION THAT I DIDNT AUTHORIZED.I ATTACHED A COPY OF THE LETTER BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
I had the IRS assess my account by sending SAFCO a1099a and 1099c. I completed a 1099a and 1099c IRS forms to cancel the debt. After SAFCO received them I contacted them and asked if they received them. I was told they were not in my file. I sent them a copy that I had when I submitted them to the IRS who mailed them the copies. I sent them a letter with the forms and negotiable instrument stating that according to UCC law dealing with legal tender that the debt had been settled. They responded back saying that that the negotiable instrument I sent was not an accepted form of payment. I sent another letter stating that it was according to UCC 3-603. They need to settle and satisfy the debt or there will be a Notice of Claim and Intent to Sue. 

They end up sending me papers that I signed, and their CFO knows that pertaining to the UCC law that I am right after I did my research. I addressed all my letters to XXXX XXXX XXXX, XXXX SAFCO Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. As an American, all debts are obligations of the United States U.S. Constitution Article VI because according to HJR 192 the United States ( which is a corporation ) is insolvent. The credit of the American people is used as collateral for U.S. debt. They were told to send me the papers saying the lien is released, contract paid-in-full, and title to the car. They decided that they are going to ignore the law.

I send a letter about GAAP ( General Accepting Accounting Principles ) questions that they are supposed to respond to along with an affidavit to XXXX XXXX XXXX, CFO which was completely ignored. I also sent the 1099oid and 8281 to IRS for the account. I have a copy of a letter from President Trump on Pre-Paid Non-Obligatory Commercial Debt Obligation Arrangement with the United States in relation to 12 U.S. Code Sec. 95a. All of this and they still want to continue to extort money from me knowing that what I have submitted to them is lawful. What good are laws if you are not going to obey and follow them? 

However, I am completing an administrative process in this commercial transaction to have this account settled and satisfied. After I complete the administrative process if they do not comply, they will be in default and then that is when I will take legal action. According to U.S. Constitution Article 1, Section 2, Clause 3 American Indians are tax-exempt.

I do hope that your investigation will bring about some type of result to address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XXXX XXXX 2020 I was alerted that my XXXX score had dropped by 30 points. I went to check and a company going by Capiro Partners LLC stating that I owed a medical bill in Louisiana with false dates and falsified information. I filed an XXXX  dispute and Capiro Partners LLC flagged the false account as collections and have since flagged it monthly as if I have a late payment on my credit. I have not spoken to or agreed to pay anything with a Capiro Partners LLC who is intent on destroying my hard earn credit rating in an attempt to bully me into paying a debt that is not mine nor do I have any knowledge of. They are downright illegal in the way they go about business, by blatantly abusing reporting powers to report false information in an attempt to intimidate and bully consumers into paying debt or suffer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
After receiving a prequalified offer. I applied for a loan with Mariner finance online on XX/XX/XXXX. I was contacted by the XXXX Ga XXXX  and was told there is nothing they can do for me. I asked the representative for a reason for the denied loan. The representative replied there isnt a specific reason and that I would receive a letter within 30 days. I contacted customer relations for a explanation. CR REP pulled my application and said that my application was still under review and looks like the denial is going to be do to poor performance and a charged off account. This would explain why the branch rep could not give me a reason for the denial and also suggest that I wasnt given due process as other customers. I had to declare XXXX in XXXX. After discharged in XXXX I have rebuilt my credit and has had a 100 Percent on time payment history with all my creditors for the past three years. My credit score is considered good. My payment history is excellent and I have the free income to support the repayment of the loan requested. Mariner Finance seems to be engaging in discriminatory Bankruptcies practice against Customers who has had to declare bankruptcy while having a existing loan with the company. The company is not allowing due diligence and adhering to the underwriting guidelines for certain customers in particular those who had to declare bankruptcy no matter if we otherwise qualify for the Loan. This seems to be a discriminatory practice. A applicant whos less qualified than another applicant whos more qualified should not be given preferential approval because the more qualified Applicant had to declare bankruptcy at one time of another. This is an unfair act of practice. My attention is to research the legalities of such practices also.

Company response to consumer: Closed with explanation