vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a total loss on my XXXX XXXXXXXX that I bought from the dealer. I had informed west lake of what was happening, my insurance did as well. The bank still decided to sell the car back to dealership and mark it as repo and unpaid bill instead of totalled and paid in full by the insurance company. This affects my credit score.They were made aware of the situation I've called Westlake, the dealership has called Westlake. They steadily say there is nothing they really can do. I want this reported as totalled, paid in full and have them remove the incorrect repo from report..

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 2021-02-04 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:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: OH

Complaint narrative:
I have received TWO Visa Debit Cards from Square , Inc. Neither card was requested. The first card arrived XXXX XX/XX/2021. I then contacted Square at XXXX to complain. Not only was the response unsatisfactory, but they sent a second Visa Debit Card ( arrived XXXX XX/XX/2021 ). It is my belief this is bank fraud : ( 1 ) I never requested these Visa Debit Cards, and ( 2 ) There is no evidence for identity theft. It is my belief that banks and financial institutions are preying upon financially desperate people by sending them unsolicited bank cards, then sticking those people with debt and fees. This is the second complaint filed with the CFPB ( both my husband and I received unsolicited Visa Debit Cards from XXXX XXXX last month ). I ask the CFPB to investigate this as a potential class action issue ( many people being victims of bank fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MCLEAN MORTGAGE CORPORATION
State: VA

Complaint narrative:
I have been notified by the City of XXXX Department of Finance that McClean Mortgage ( XXXX ) my mortgage servicer failed to pay the following expenses from my escrow account : Property taxes : {$4500.00} - due XX/XX/XXXX My account indicates that a city tax payment was removed from my escrow account on XX/XX/XXXX, however the funds were never received by the City of XXXX, and the website has no evidence of where the funds were actually disbursed to. When I attempted to contact the company on XX/XX/XXXX I was put on hold and sent through a phone tree before finally being brought to a voicemail box with no response. I've also submitted several contact forms via their website with no response. 

The city is now charging a penalty of {$450.00} and {$100.00} interest, for a total of {$5100.00} due by XX/XX/XXXX. We feel McClean Mortgage should be responsible for these fees and interest based on the non-payment of taxes despite removing the funds from our escrow account. And, we have no update on the location of the {$4500.00} that was removed from our escrow account that did not make it to the tax office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX left a message on my boyfriends voicemail discussing contacting my son and discussing contacting my sons employer about debt my adult son supposedly owed. I then called XXXX XXXX at XXXX XXXX XXXX who discussed with me the exact amt. my adult son owed on a loan from Loan Cashnet and that the loan was taken out in XX/XX/XXXX. It is my understanding that debt collectors can not disclose this information to friends or family which XXXX XXXX at XXXX just clearly did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
On XX/XX/21 Bright Lending deposited {$1000.00} into my bank account for a loan I never applied for. I contacted the company and they stated that I had applied for the loan today. I did not apply for a loan and explained I never signed anything or applied. Furthermore, why would a company deposit anything into my account without verifying my employment or the state I live in? I further explained I was contacting my bank, having that deposit reversed and they would be blocked forever from my bank account. What it seems like to me is that this is their way of trying to make money, depositing unauthorized funds into an account and then charging you a ridiculous amount of interest if that transaction goes unnoticed and/ or spent. Again, I haven't authorized and/ or signed any agreement with them. My bank is handling this and I am also notifying the Attorney General. Makes me wonder how many other people they have done this to. I am also contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This issue has been languishing since mid XXXX when Capital One froze our teenager 's checking account. Capital one decided they had 'to investigate ' this account which has less than {$500.00} in it. Finally, after two and a half months, Capital One decided to close the account. No communication. No indication of what happened to those funds. Outrageous that our 10 other accounts were impacted ( since resolved ) but it's theft to close an account and keep the money. We need Capital One to send our kid his money immediately. Otherwise, I will open a fraud detection alert on this account and file a case with the FBI. 

We've never gotten a sincere apology from Capital One for all the trouble they've cause, just some gratuitous form letter. At this point, we just need Capital One to return our kid 's money and we'll finish migrating our accounts to a reputable financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
Background : I moved all my money out of this account after they slashed interest rates with no notice. Then, they suspended my account and made me prove my identity just to get my tax documents. Then, I was unable to access tax documents. 

Problem : I tried to login using their instructions ( they use a 3rd party website for tax stuff ) and it didn't work. I tried to reset my password there, no dice. I tried emailing them but they're incompetent and weren't able to help me. Finally, they gave me a phone number to call. I called and still, they can't help me. Maybe because they outsourced their customer service just like their tax document preparation.

1 ) I tried to follow the instructions on the email. It said go on XXXX and login with " site ID '' of XXXX, then your username is your account number, and the password is the last 4 digits of your social. DIDN'T WORK. 

2 ) I hit " forgot password '' on the website. They said they're gon na send me an email with instructions on how to recover account. I got no email.

3 ) Called customer service. They're incompetent and have no idea what a 1099-INT is much less how to access it.

I JUST WANT MY 1099-INT MAN. MAIL IT TO ME OR GIVE ME ACCESS TO IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCORPSOUTH BANK
State: TX

Complaint narrative:
I financed my new home with Bancorp South in XX/XX/XXXX. 

I made my XX/XX/XXXX payment on time, then the next week received a letter from XXXX that they were taking over the loan servicing and that I actually owed XXXX the XXXX payment. 

Bancorp South was supposed to transfer my mortgage to XXXX, and they were supposed to forward the XXXX payment to XXXX. After multiple phone calls, XXXX has not received my payment even after Bancorp South promised they were cutting a check to send the XXXX payment to XXXX. 

Bancorp South also shows that I owe them a XX/XX/XXXX payment even though they were supposed to already have transferred my mortgage to XXXX.

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

Complaint narrative:
Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from my credit report.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed and inaccurate report bankruptcy with transunion XXXX and XXXX. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However Transunion sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly Transunion is lying. 

I have reached out to an attorney and will file a suit against Transunion XXXX  and XXXX  for inaccurate reporting XXXX  and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX  doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false 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 2021-02-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Chapter XXXX Bankruptcy. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
1st off this is referring a Secured Credit Card from XXXX XXXX aka XXXX XXXX XXXX, Now on my credit report under XXXX XXXX XXXX I originally disputed this with XXXX and XXXX in XX/XX/2020 through XXXX XXXX, all i get back is that it meets FCRA requirements. I have called XXXX, cause also they are on my credit report as XXXX XXXX and as NCA, which i don't believe i can have same account listed twice, which tell me, yes it is there & correct. Regardless I sent NCA a letter in XX/XX/2020 asking them to forgive this debt because as a secured card, they are not to raise my credit limit without my permission and my deposit to open the account is to go to any outstanding debt. This account should not be in collections.This is not the only issue I am having, m just first of many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect reported a debt for XXXX XXXX they never contacted me or sent any information about this debt. I never signed a lease with XXXX XXXX XXXX after XX/XX/XXXX when the lease ended. Procollect has refused to send me a copy of the sign lease. This new list was signed by XXXX XXXX I was separated and have court documents showing my ex husband would stay at that property and sign a new lease. I also provided Procollect and the 3 credit reporting agencies with the judges paperwork and a letter from XXXX XXXX stating I XXXX XXXX had a XXXX balance at the time of move out. This collect was placed on XX/XX/XXXX in the amount of XXXX and has been disputed more than 8 times. The credit bureaus XXXX, XXXX, and XXXX XXXX did not conduct a accurate verification of this debt and did not view my supported documents.

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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
At XXXX, XXXX PST on XX/XX/21 a received a call from XXXX at work from a very aggressive man using aggressive language threatening to contact my family about a debt which I am positive I do not owe. I asked him not to contact me at work ever again as we can be fired for taking personal phone calls. He was XXXX with a thick XXXX accent. and told me his name is XXXX XXXX ( which we all know is not accurate ), He said he was calling for Mid-land return phone number XXXX. They added an astronomical fee to the base debt which is also predatory like. I hung up and told him to never call me at work or phone ever again. 
This company repeatedly has called my cell phone from XXXX to XXXX daily multiple times from various phone numbers. They have contacted my husband, co-workers, relatives Whom are all willing to testify. 
It was scary and unprofessional Mid-Land should not be allowed to get away with threatening people and contacting them at their place of employment. 
Something must be done to protect ourselves from ppl like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wife and I chose Wells Fargo because they were able to match a great rate to refinance my home mortgage. They are also the current holder of my home mortgage. Throughout the process, I was told repeatedly that the " Other Costs '' associated with my refinance would be waived ( {$0.00} ) because I am already a Wells Fargo customer. This gave them a significant edge over the other lender quotes I received. I received this correspondence multiple times throughout this refinance process ( XX/XX/XXXX, XX/XX/XXXX ). 

Well, it is now time to close ( XX/XX/XXXX ) and those fees are still there. I am now out an appraisal fee and 3 months of correspondence. I have made it known that I will not be going through with the refinance if those fees are included on my loan since the beginning, so this should not be a surprise to anyone I have talked to at Wells Fargo. I am receiving the response of " There is nothing we can do '', which is just not good enough for me. I should not be penalized for incorrect information. I will continue to go through the appropriate channels until I receive and adequate solution.

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 2021-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I got a letter in the mail with a account summer of a chase account that I didnt open. Not sure if its a scam. I tried to call chase & they wouldnt comfirm or deny if I had a account with them.

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

Complaint narrative:
My Congressman/XXXX XXXX PA District XXXX, suggested that I write to this Agency. 
Hello, I have been a Bank Of America Credit Card Customer since XXXX. I have always paid my bill on time. Due to my Excellent Payment History, they ( BofA ) have periodically raised my Credit Limit steadily over the past 15 years. I have been a model customer. This VISA Credit Card was used primarily for Travel Expenses. 
In XXXX I paid off the remaining Balance and stopped using this Credit Card. The Pandemic eliminated my ability to Travel frequently, therefore the Account had a XXXX Account Balance. Again in GOOD STANDING and PAID OFF. 
Fast Forward to today, XXXX. I received an Email from Bank Of America stating that they have decided to CLOSE my ACCOUNT. No reason stated just closed the Account. I immediately reached out to Bank Of America Customer Service at XXXX XXXX XXXX XXXX XXXX and told the entire story to a young man. That Agent mid-call transferred me to someone else in the same department. That nice lady transferred me to her Supervisor XXXX who then transferred me to her Manager XXXX ( not sure if I spelled correctly ). None of these Agents could tell me why my account was closed after 15 years. XXXX was supposedly transferring me to LEGAL AFFAIRS ( at my request ) ; when instead I ended up with XXXX a very nice Credit Card Applications Rep in the Rhode Island Call Center. XXXX was delightful but could not answer my questions with any certainty. He did offer that my Lack of Credit Card usage ( during the Pandemic ) could be an indication as to why BofA Closed my account. XXXX should get a promotion because he is the only one at BofA that has a Clue. XXXX advised that I wait for a LETTER from the BofA Legal Department ( forthcoming ) that will explain their decision and the Appeals Process. 
My main concern is the effect this unprompted Account Closure will have on my Credit Score. I have spent the better part of 20 years repairing and building my Excellent Credit Rating. This Closure will undo all of my hard work.

Thank You!

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 2021-02-04 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: CO

Complaint narrative:
XXXX, XXXX and Transunion are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately.

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof

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 2021-02-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian, XXXX and XXXX are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately. 

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof

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