vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX I opened a checking account with the Bonus 400 promotion through capital one. 

The requirements were to " Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' two deposits went into my account XX/XX/XXXX, by ACH from an outside banking institution ( XXXXXXXX XXXX ), in the sums of {$400.00} and {$600.00}. 

Per their promotional offers, the bonus should have been deposited in a sum of {$400.00} to my account by XX/XX/XXXX. 

on XX/XX/XXXX I called and first was told that my bonus deposit was ineligible because of a mobile banking transaction, then when speaking with a supervisor I was told it was ineligible because it was initiated online. 

Neither stipulations were spelled out or excluded on the bonus page rules, and I followed all requirements to qualify for the bonus yet they still refuse to pay it. 

spoke with employee " XXXX '' on # XXXX who refused to honor the deposit bonus and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
The problem started in XXXX of last year, during the hardship of COVID 19 my husband lost his job and I applied for forbearance plan. Tried to catch up with mortgage payments but it was still hard, applied for Dilequency through citizens home loan and ever since nothin but a nightmare. I got approved, to add the 4 delayed payment to the end of the Morgage on the condition of me signing a notorized letter, and I sent it to citizens home loan through fax, email and mail. And then I started making my current payment on time to find out that all the payment are going into a suspended account, now I am backed up with payments I already paid and the forbearance. Called so many timers and they keep telling me there is another application I need to sign and and someone will reach out and it will get mailed but nothing happened. And whenever I call they say they reached me but I dont have any voicemails or calls. Last week they said they sent it through XXXX but refuse to provide the tracking number. It wasnt until I said Im reporting to a lawyer and Im recording that they gave me a tracking, the tracking number showed the package was sent the day and time of the call. And the threatened me to have it received and sent back and motorised writhing 6 days or my delinquency is cancelled. The money I paid didnt even go to the escrow or the taxes to the city or even my insurance. I am stuck with them and I afraid to loose my house, please help! Havent even received the letter in the first place and they told me they can even email or have me print it online.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called XXXX to ask why it is not reported and did not get any clear explanations.

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: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Threatening lawsuits, aggressively threatening me of imprisonments or wage garnishment. If I dont pay they will take everything I have.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please see the attached document for reference to the facts of this case. Transunion has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification under Section 611 ( a ) ( 7 ) of the FCRA, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Transunion. 

Transunion willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Transunion, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Transunion to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
I attended state school for 6 years part time. I owe about XXXX to Sallie Mae. My mother co-signed with me, and we got approved every semester regardless of the fact well never be able to pay that money back. Sallie Mae harassed us with emails, mail and phone calls to this day about taking out a new loan. I borrowed around XXXX for my first semester in 2014 - thats now up to about XXXX despite my paying interest every month while in school. Sallie Mae is even worse than the XXXX was - at least they were honest.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I have made several efforts to resolve this matter directly with TSC Accounts Receivable Solutions. I have never done business with this company and there is no signed agreement with company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.

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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have made several efforts to resolve this matter directly with Progressive Management services I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: The CBE Group, Inc.
State: CA

Complaint narrative:
I have made several efforts to resolve this matter directly with The CBE Group. 
I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.

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: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal credit said my automatic payment of {$38.00} was returned by my bank. However, there was plenty of money in my account before, during, and after the time of the transaction. There was no attempt to collect the money from my checking account. My bank did not return any transactions. PayPal charged a late fee. Several attempts were made to contact PayPal and my calls were repeatedly disconnected. Although I was refunded the late fee they still have not responded to my request for a formal investigation. I want to know what happened. This is an error on their part. I have never had a late payment. They keep disconnecting my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I filed consumer complaint # XXXX, which outlines the beginning of a series of harassing calls by both XXXX XXXX and National Credit Adjusters, but I will summarize the events here. I received multiple unsolicited communications from a company named XXXX XXXX, which I later learned was hired by National Credit Adjusters. National Credit Adjusters had previously communicated with me over the phone and via voicemails XXXX which I retained XXXX that they had filed a lawsuit against me in XXXX XXXX. Per public records, no suit had been filed since they first started contacting me back in XXXX ofXX/XX/XXXX Clearly, this was an intimidation tactic used to gain compliance. NCA later hired XXXX XXXX to start contacting me, and again, no suit was filed. After several requests for XXXX XXXX contact me by mail, it wasn't until I submitted a complaint to the CFPB XXXX noted above ) that they ceased contacting me. This is when National Credit Adjusters started calling me again. I, again, asked them several times to send all communications via mail, but they have continued to call - a clear violation of consumer protection laws. XXXXPhone call. XXXXPhone call. XXXX call. On each call, asked for mail communication NCA has yet to respond to the consumer complaint # XXXX I file with this office.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

TransUnion - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXCITI CARDS CBNA, XXXX, XXXX, XXXX - XXXX, XXXX, XXXX, 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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
1st telephone contact concerning my not owing this debtXXXX XXXX CCC USA ( Credit Collection Services ) acknowledged my response and ceased.

Noticed XX/XX/2021 this paid debt turned up on my XXXX credit report. I disputed the information, it was investigated and removed. XX/XX/2021, the same paid debt was now placed on my XXXX Credit report and I received a letter from CCC USA AND PHONE CALLS BEGAN OFFERING THAT I WAS BEING OFFERED A 50 % DISCOUNT OPPORTUNITY TO RESOLVE THE ACCOUNT. 
Needless to say I was and am still livid. 
Contacted a very nice representative Ms XXXX. I asked who and when did they buy this false information and was told that they are the same company that had the account originally and it was they who had removed the debt from my TransUnion Credit Report and they then put the debt on my Experian. I said that moving a known paid debt to another reporting company was illegal. She asked if I had proof of payment and I told her I had just had XXXX XXXXXXXX and would need a little while before I could get upstairs or get my daughter who works from home to find the papers for me. She gave me two days and a website. 
I agreed to try and get the papers. 
On Thursday, XX/XX/XXXX, today ; I tried to enter the forms to send my proof. 
Surprise! nothing listed on the site works properly EXCEPT TO ADD YOUR CREDIT INFORMATION TO PAY!! You can even scan the credit card but the system will not allow you to enter the date you claim you made your payment, photos of documents will not upload in any form. Everything is rejected as having a virus. 
This is scumming the bottom at its best! 
I made photos of every step trying to upload documentation and I recorded my screen. They know there are disabled people and all of us dont have copiers and fax machines in the house and if we did we would have to get to the mailbox just to prove for the upteenth time what they already know THE BILL WAS PAID. 
STOP THE HARASSMENT!

Company public response: Company believes the complaint is the result of a misunderstanding
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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargos numbers between interest, principal, and balance are not correct during the term of loan and are proceeding with foreclosure. This urgently needs addressed

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: EQUIFAX, INC.
State: VA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation