vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a validation of debt letter to NCA for which I have documentation they received the request on XXXX XXXX. They did not respond within the allotted time as per the Fair Debt Collection Act, 15USC 1692g ( Sec. 809 ). I requested that the account be removed. I received a letter from National Credit Adjusters ( NAC ) dated XX/XX/XXXX. Which is at least thirty ( 30 ) days past the due date. Not only did this letter not include the documentation to validate the debt. It was a request for payment attaching a bill statement. The following requested items were not provided ... 
1.Contract from the original creditor 2.Assignment contract between NCA and the original creditor 3.Evidense of their license to practice in my state 4.Alledged contract or other instrument bearing my signature 5.proof debt owed is within statue of limitations I sent a letter on XXXX XXXX for which I have documentation they received on XX/XX/XXXX advising them of this and reminding them of the guidelines set forth. I also advised if not removed from credit report ( XXXX ) that I will file a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Capital One located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Hi, I have reached out to National Credit Adjustors on numerous occassions and requesting validation of my debt but they fail to produce any documents for the same but keep reporting it on my Credit report. They are highly unprofessional and extremly unhelpful. 
Below are the key details for this debt : 1. Amount owe : {$300.00} 2. Dates reached to NCA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
3. XXXX  # XXXX. 

They keep saying they requested the document but its almost an year and they are not able to provide any documents. This need to fall off my credit report ASAP. Also, i am not sure but even if this debt is true which i highly doubt this is beyond the statue of limitation and can't be persued for by this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Problem with personal statement of dispute
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I'm filing for a complaint against Marcus by Goldman Sachs for : 1. Deceptive practice : Set higher rate 1.85 % APY CDs to auto-renew on XX/XX/2021 at a much lower rate of 0.55 % APY by default without customers ' clear understanding and explicit consent, and without adequately communicating to customers what to expect after auto-renewal ( e.g. the new APY, early withdrawal fees ), especially during the pandemic when we need the liquidity 2. Unreasonably high fees : Even though starting from the renewal day XX/XX/2021 we only earned ~ {$50.00} interests on the renewed CD, Marcus wants us to pay ~ {$600.00} to break this CD, which we didn't intend to or explicitly consent to have it renewed in the first place since we need liquidity 3. Not treating customers equally and fairly : On XX/XX/2021 when I called Marcus to get it corrected and resolved since I did not receive any communications and was not aware of the auto-renewal ( I normally receive communications on statements, rates, etc. ), Marcus claims they sent my husband communications. Upon checking, my husband  received just 1 email on XX/XX/2021 regarding the renewal, which contains no information on APY, nor information regarding early withdrawal so it didn't draw his attention at the time. However, as the equal joint owner I received no communications whatsoever on such an important topic, if I had received the same email ( even though it contains inadequate information ) I would have taken actions to stop the auto-renewal since I manage our households financials. Marcus claims my husband is the " primary owner '', but legally I have joint ownership and should have the right to be treated equally and fairly, e.g. be notified of important account changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase received a deposit of {$300000.00} not included tax fee 's. Thirty days after this deposit XXXX XXXX set up a unauthorized invesment account # XXXX was opened without contact. 
On XX/XX/XXXX {$80000.00} On XX/XX/XXXX {$52000.00} On XX/XX/XXXX {$51000.00} this continued until the savings account # XXXX was EMPTY. 
PLEASE SEE ALL ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Company Sent me a letter saying that they were closing my account do to irregular authorized user activity, When I have personally made them aware that I was adding Authorized users in efforts to educate. So the users were authorized. I have called a couple times and they refuse to help reopen my account. The Company is Bank of America. I have called multiple times and made them aware prior to submitting a CFPB complaint. All times that I have called, they have hung up on me during the transfer period. 

If necessary I may provide recordings of my attempts at speaking to Bank of America representatives to prove non-compliance

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 2021-04-02 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: CA

Complaint narrative:
XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my XXXX XXXX shows late never late XXXX  refused too help me.

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 2021-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX XXXX card never been late also on my car loan shows late never late XXXX  refused too help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: PA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am being charged {$920.00} by CommonWealth Finance. I have NO knowledge of this place, who they are or for what they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
AXOS bank closed my account on XX/XX/29 and has made it nearly impossible for me to get my money back from them. I have tried to email and call them multiple times with either no response or I was told I was not speaking with someone with authority. They can take up to XXXX  days or longer to get your money back and you have no control over when you get your funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Spoke with my mortgage servicer XXXX asked what was the status of the requested mortgage forbearance and mortgage assistance request? I was told by XXXX with XXXX XXXX XXXX customer Service the investor of my loan was not going to process any more forbearance or mortgage assistance request processed. i have been affected by XXXX XXXX with my health. I have not had any of the forbearance request granted or recent mortgage assistance request. I am 100 % XXXX and I feel I'm being discriminator against because of my XXXX. I was also told my house has been sent to the Attorney to be set for a property foreclosure sale. Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have maintained a PayPal account for over XXXX decades without any issues. I primarily use this to buy and sell goods on websites such as XXXX. I usually have XXXX transactions per year. 

XXXX days ago, I was notified that my account was permanently suspended for violating terms of service. The reason given was that I was using a XXXX to access PayPal, purportedly a breach of the PayPal ToS. As a XXXX XXXX, I naturally reviewed the most current ToS and I was not able to find a single provision that uses the term XXXX or XXXX XXXX XXXX, let alone XXXX that purports to prohibit consumers from using XXXX to access PayPal. 

I was also told that VPNs are not allowed because " hackers use them to commit fraud '' and PayPal needs to verify that it is me who is logging in every time. I would point to the fact that I have XXXX enabled on my account with literally ensures that it is me who is logging in every time since my log in requires the entry of a XXXX-digit code that is sent every time to my mobile device. XXXX have legitimate uses and I would submit that they are essential to any cybersecurity plan to prevent unauthorized access. 

Essentially, I have been discriminated against on an illegitimate basis and can no longer access my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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 Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EQUIFAX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CBNA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2021-04-02 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: Lending Club Corp
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THERE ARE XXXX ACCOUNTS THAT ARE NOT MINE : XXXX FOR {$520.00}, {$460.00} AND {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: GA

Complaint narrative:
I have an XXXX reverse mortgage that is assigned to NoVad Management Consulting. 
I have been requesting an account statement for at least the last 3 months with no response. XXXX was the previous servicer and I received regular statements from them. I need the statement to evaluate the possibility of refinancing or paying off the loan. 

XXXX XXXX XXXX FHA Case # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX unauthorized charges on XXXX : {$900.00} - XXXX : {$900.00} and XXXX : {$210.00} was charged at a XXXX in Georgia. With an inactivated card the bank was supposed to send to me because my current card was inactive. I live in Florida and was not in Georgia. My card was not stolen as the agent implied. The new card never made it to my home. Wherever the bank mailed the card to ... the person at that end activated the new card with an unauthorized phone number and pin to make the transactions mentioned above. The bank will not disclose who or what number was used to activated the card. I filed a police report and submitted requested documents by the bank and they are still denying to refund my stolen money.

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 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Affidavit of Truth was sent out on XX/XX/2021. Response was received, however the response isn't correct. 

A Notice of Default and Opportunity to Cure was sent out on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over a period of several months I have tried to resolve a dispute with Wells Fargo credit card department about a dispute I made last year 2020 for {$110.00} on XX/XX/2020. I have been given the run around and told to send a written letter for a second time to reopen dispute and got same answer declined without an explanation. I want my dispute resolved and for Wells Fargo to solve my dispute without wasting my time and not really investigating the issue and violating my rights as a 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