vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
Off note, I have been a victim of identity theft since XX/XX/XXXX. On XX/XX/XXXX, after reviewing my credit report on XXXX, a credit monitoring agency, I discovered a student loan was opened on XX/XX/XXXX from XXXX for {$1500.00}. In addition, several other credit applications were attempted. Neither of these were completed by me. I contacted XXXX and they advised me that this was a student loan and the original creditor was for XXXXXXXX XXXX XXXX University. Someone other than myself, wrongfully used my personal information to obtain a line of credit. On XX/XX/XXXX, I filed an identity theft report with the XXXX XXXX XXXX Police Department. On XX/XX/XXXX, I complied with XXXX and submitted an identity theft claim. XXXX resolved my claim and advised me that I am still responsible for paying the loan and advised me to contact XXXXXXXX XXXX XXXX University. On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX University ' Student Financial Services who emailed me an identity theft report to complete. I received unsolicited help from a local attorney XXXX XXXX who reviewed my situation and wrote a letter to XXXX. I was advised by this local attorney that I should stop responding to XXXX and my credit history was in good standing. 

In XX/XX/XXXX, I joined XXXX  Credit Score and Report and discovered that I have a collection debt from National Credit Management for {$1900.00}. Original Creditor is XXXXXXXX XXXX XXXX University and the date reported was on XX/XX/XXXX. I disputed this with XXXX  who investigated, resolved the dispute and removed the collection debt from my credit report and reported this to the other credit bureaus. 

In XX/XX/XXXX, I contacted XXXX to dispute a collection debt for {$1900.00}. Again original creditor was from XXXXXXXX XXXX XXXX University and also disputed an address that was found on my credit report with XXXX  that I have been trying to ask them to remove because I have never lived or used that address which subsequently is linked to the credit debt. After XXXX  poorly investigated my identity theft claim, they denied my claim and kept the credit debt and address on my credit report. I am asking for help and advise to justify this. It's very frustrating and time consuming when these companies do such poor investigation and tell you that you're responsible to pay for some loan you never applied for!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Nelnet, Inc.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am trying to payoff my account the rep is refusing to give me overnight address. I am not asking for specific account information just general information.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
2021 I.C. SYSTEM, INC Account XXXX This was paid to creditor directly

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 2021-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 someone walked into a branch and withdrew XXXX from my account. Now the institution decided to close my account without any reason and sent me close out check that is almost XXXX short

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I submitted a previous complaint against my loan servicing company Loan care for unfair loan modification practices. I was approved for the partial claim loan modification combo. I as a result of this loan modification program I was told that my new monthly payment would be XXXX. I was mislead by this company when I was told to sign the loan modification that would grant me the partial claim loan modification combo. When I called in to pay my mortgage I was told that my monthly loan amount changed from XXXX to XXXX. When I questioned what loan modification I was granted I was also told that I was granted the partial claim loan combo on various occasions when I Called in to speak to a Loan modification officer to address and get an understanding for such dramatic increase in new Loan amount. I never discussed with anyone in this company about wanting a standard loan modification. I was mailed a letter telling me that I was approved for the partial claim loan modification and that was what I understood I was getting when I signed the loan modification agreement. I would like to be considered for the partial claim loan modification I was approved for!!!

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 2021-08-24 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I, XXXX XXXX, the consumer, extended credit in a consumer credit transaction to SECURITY FINANCE on Wednesday, XX/XX/2021 for {$1100.00} via my credit card ( 15 U.S.C. 1602 ( l ) ). In the agreement, SECURITY FINANCE were false and misleading and did not give full disclosure of the rightful original creditor. SECURITY FINANCE violated 15 U.S.C. 1602 ( p ) which states, " The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. '' I received no benefit from the use of my credit card and demand remedy. SECURITY FINANCE did not disclose my right to rescind under the Truth in Lending Act as well. 15 U.S.C. 1635 ( a ) states- " Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. '' As you will see in the contract that is attached, there is no disclosure whatsoever. On XX/XX/2021, a notary sent a Right of Rescission , Cease & Desist, invoice and an Affidavit of Truth via an Affidavit of Notary Presentment. SECURITY FINANCE did receive my documents, but I have yet to hear anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I get numerous calls a day, it disconnects everytime, so I called and it says they are Credence recovery or something. They ask my address and social security number, I would not tell. I asked them to stop calling this number. And they have been a nascent to me by calling so many times. 
They last called from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Over the past one and a half year, Capital One has charged me abusive interest 3 different times. One 's understanding of their terms, which is similar to many other credit card companies, is that, as long as you don't carry a balance, or pay the full statement balance, you shouldn't get charged interest. Capital One has charged me interest for 3 billing cycles because of one residual balance I carried until the next month. In the other two instances, I was charged interest for months for zero reasons. I tried to ask them to clarify these situations to me over the phone.

For the most recent incident, ( Interest charged from XXXX - XXXX in the total amount of {$64.00} XXXX they went over it and had the nerve to tell me that yes, it can take three billing periods until they stop charging me interest for a balance not paid in full. Wow!

I asked them to clarify the other two incidents and they refused to.

These were : 1 ) XXXX - XX/XX/XXXX three months ' worth of interest in the total amount of {$77.00}. This came from nowhere, because from XX/XX/XXXX until XX/XX/XXXX everything was paid in full each month. 
2 ) XX/XX/XXXX - XX/XX/XXXX I got charged interest for FOUR consecutive months in the total amount of {$98.00} because I carried a balance from XXXX until XX/XX/XXXX ( a month!! ). 

This should be ILLEGAL. This predatory, back-stabbing company has charged me interest up to my neck, for rare occasions when I'm not able to pay the statement balance in full. They take advantage of the customer by punishing with abusive interest charges for 3-4 months for a balance that is no longer there, but was at one point. It's enough I have to pay for their annual fee which gets charged every single XXXX, then I'm hit with abusive interest. I've never done cash advance and I don't think I've been late on my payments in over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
Sometime around the end of XXXX  of 2021, I received a notification that there was a Collection placed on my credit file. I received no communication from USCB by mail or phone notifying me of the alleged debt and my right to dispute until after I contacted the company. Only after I contacted the company via phone requesting a dunning letter, they sent one. I responded to the letter and they received it on XX/XX/2021, and have failed to provide me with the written information I requested within the timeframe of 30-45 days. It has now been 60 days and I have yet to get a response. I have sent them another letter asking them to delete the collection from my credit file because they were unable to verify the alleged account and have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a deposit via ATM for {$500.00} cash at the instruction of a bank employee on Saturday XX/XX/XXXX. The atm did not record the deposit properly and jammed. We were only credited {$240.00}. I called the bank immediately and was assured the atm counts everything and my {$500.00} posted. This was not the case. I contacted the bank again on Monday and was told it was sent to another department to investigate. After speaking with multiple people in the call center over several phone calls I went into a local branch for assistance. They also were unable to help me and referred me back to the call center. On Friday I requested someone from the dept investigating this contact me and was assured I would receive a call Monday. I did not receive a call. I received a letter stating Wells Fargo is only crediting {$240.00} of my {$500.00} deposit. I have also requested on 2 occasions that they pull the cameras from the atm as I counted it prior to deposit and was denied. I have also been brushed off when inquiring about filing a complaint with management. This account is a joint account with my XXXX XXXX. This is her money she earned at her summer job and we are getting no assistance when this was Wells Fargos error and broken ATM machine.

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 2021-08-24 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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
Ive made several attempts to try to come up with solutions working with the finance company of my car. When the pandemic hit I was without work awhile until my unemployment started to activate. Exeter Finance approved a 2 month extension on my loan but would call me 3/4 days later asking for a payment, furthermore started reporting me as being late. As early as last week when I called to make a payment on the 19 they informed me I was 93 days passed due when my due date is the 20 and I owed {$2100.00} and three days prior they told me {$1000.00}. As I explained that was inaccurate the rep says Im 4 months behind which is inaccurate. I dont plan on doing business with this company past the end if the year Ive been truly disappointed with the communication and the erroneous information theyve been reporting on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One caused my credit score and payment history to become terrible. On XX/XX/XXXX of XXXX Capital One chose to change my credit card due date on three credit card accounts that I hold with them from the XXXX of the month to the XXXX of the month. The cycle and payment due date change took affect in XXXX of XXXX. I was able to make the first set of payments but quickly begun to fall behind because I have other debt obligations that are due in the beginning of each month. I made requests with Capital One to change the due date back to its original date in XXXX of XXXX. It wasn't until I filed a complaint with The CFPB In XXXX of XXXX that they immediately changed the due date back to the XXXX in XXXX. By that point the disruption to my finances had already taken its toll and I fell behind. I missed payments in XXXX, XXXX, and XXXX of XXXX. On XX/XX/XXXX of XXXX I enrolled in a payment plan to bring two of the three credit accounts out of their collections status. On the credit account that is the subject of this complaint agreed to make three scheduled payments of {$250.00} starting on XX/XX/XXXX to bring the account back to a current status. I was also informed that If I were to have no other late payments on the account my charging abilities would be restored. I have made every payment that was scheduled and brought the account back to a current status as of XXXX XXXX on both of the accounts that fell behind. I have paid on the accounts with no late payments since XXXX of XXXX up until my most recent payment of {$2000.00} on XX/XX/XXXX. My other credit card account that was in collections was restored in full and was under the same payment plan. Capital One will not restore my other card despite my completion of the payment plan as agreed.I reached out to Capital One on XX/XX/XXXX to see why my card is still showing as being restricted over a year later and received terrible customer service with no help I place three separate calls that were recorder on their end to to their collections department and was hung up on twice after waiting on hold for thirty seven minutes for a supervisor. The representatives that I spoke with have claimed that my account has gone past due in several instances since I entered into an agreement with their department and that Is why I will no longer have the " privilege '' of charging on the account again. When I requested to be informed of the dates when these instances occurred, I was told that there was a system issue and I needed to be placed on hold while the representative contacted a supervisor. After being placed on hold for 37 minutes on two occasions, I was hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
remove : fcra violations : remove it XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$590.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Account charged off/Never late. {$34000.00} written off. {$34000.00} past due as of XX/XX/XXXX. 

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Westlake Services, LLC
State: MO

Complaint narrative:
In XXXX, I called Westlake and got a deferral for my payment. Before then I had 100 % payment history. I then paid XXXX, XXXX, and XXXX like normal, but they all show as missed payments on my credit report. I spoke with a lady who said the deferral in XXXX got entered wrong and it was totally their fault. She even said she would submit a dispute to the credit company. However nothing has been done after months of calls back and forth. They harass me multiple times a day, every day, for missed payments I do not have.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Today I checked my credit report and discovered this company has placed this collection item on my credit report. I did not receive notice from them and my rights were violated

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