vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2021 I received a financial account monitoring notification from XXXX that stated that an account was opened under my name at NAVY FEDERAL CREDIT UNION on XX/XX/2021. This was not initiated by me. I called the bank to put a hold on the account. I have contacted XXXX and XXXX.

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 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
U.S collection West, inc is trying to collect a debt that I do not owe. They are trying to collect {$1700.00} as of XXXX XXXX. They believe that I owe money to XXXX XXXX XXXX in the year from XXXX, however I never lived in those apartments.I have information stating where I live in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I recently discovered I have been getting charged a $ 12 Monthly Maintenance Fee for the past 5 months ( XX/XX/XXXX - XX/XX/XXXX XXXX in my Bank of America " Money Market Savings Account ''. This account was set up in XXXX at the same time as the " XXXX XXXX XXXX '' checking account. One of the criteria to avoid a monthly is noted as having a direct deposit in excess of {$250.00} during each statement cycle. I have exceeded this threshold for the entire duration of the accounts, but the deposit has been into the checking account assuming they were linked. Apparently, per a call with BoA customer service on XX/XX/XXXX, even though the accounts were created at the same time, they were not linked as only " grandfathered '' accounts can be linked. This nuance is not clearly explained nor apparent since both accounts come up at the same time when logging into the website. Had this been more transparent I could have easily split the direct deposit amount to go into both accounts separately and still met the minimum threshold. The minimum balance of the combined accounts would have also satisfied the fee avoidance requirement.

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 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover ending XXXX I found charges I did not make I called bank they would not take the charges off they denied security said so the charges made by some one paid the account then stop the payment I do not know of this I did speak to them denied I have pay the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
This company have been causing me grievances since XX/XX/2020 just by having a loan with them. In the beginning they failed to properly copy my name from my financial contracts into my account. Then later they stop reporting my timely payments to the credit bureaus. And now they are harassing me for loan payments when they have been educated from my insurance company that my vehicle is totaled from a flood. This company shouldn't be allowed to harass their customers using our credit report as a negotiation chip. They obviously are not obligated to realize I did financed my vehicle for income and I have gotten a replacement which means I have a new loan obligation. Which means why are they insinuating that I am a man that is not credible to make good on his payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I was in Forbearance per the CARES ACT from July 2020-Feb 2021 ( 8 months ) Prior to being on forbearance I've never missed a payment in 11 years. I agreed to a loan modification to pay back the missed payment over the course of the loan and I was told I must complete a 3 month trial payment period of higher payments and after thats completed sucessfully I would get loan modification documents to sign. I got the paperwork on XX/XX/XXXX, XXXX.I contacted the Loss Mitigation supervisor, XXXX XXXX at XXXX and I told him the documents payment amount was wrong, because I'm permanently exempt from property taxes in Texas. I also told him I don't have a problem with the hazard insurance amount even thought I hadn't had an escrow account since XXXX since I pay home insurance monthly. He said they'd get new documents to me. All I got was a letter stating that I missed 10 payment past due and to call them for assistance.They had sent me a Mortgage Assistance Application requiring a lot of info. Also after completing the 3month trial payment period from XXXX - XX/XX/XXXX they sent me a letter concerning my escrow overage which was owed to me in XXXX and they said since I'm past due on payments I won't get it and they are keeping it that was on XX/XX/XXXX. I called back on XX/XX/XXXX since no new modification documents came in and I spoke to a rep named XXXX, she assured me it would be taken care of and that nothing was done about it when I called on XX/XX/XXXX. She said new documents would arrive in a week. It's been over a week and I sent an email directly to the Loss Mitigation dept and no one has responded to me and today is XX/XX/XXXX. I got an email stating I have 6 days to sign my old incorrect loan modification agreement on XXXX XXXX.I called XX/XX/XXXX and spoke with the insurance supervisor named XXXX and I we confirmed the XXXX payment with the home insurance included. But she said it still had property taxes on it and when she transferred me to Loss Mitigation no one answered. These people are trying to take my home and I need help. LAKEVIEW LOAN SERVICING LLC, subservicing by 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 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/2021 {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/2021 {$77.00} Original creditor : XXXX XXXX XXXX XXXX There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingRe-inserted without notification, F.C.R.A. violation. I want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG HOLDINGS INC
State: TN

Complaint narrative:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In XXXX of XXXX, I was lied to about internet service speed received from XXXX XXXX XXXX. Was told that they had the fastest internet speed in the area, but was not true. TV service stayed in buffer mode 95 % of time. Called to cancel service within 30 days and was advised that they do not have a customer guarantee program, but due to false advertisement of their internet speed in my area ( which interfered with my ability to watch TV free and clear of buffering ), I would only have to pay {$90.00} of the bill and they would credit off the rest due to the poor service received. I paid {$90.00} on-line. A few months later, derogatory information appeared on my credit report and I was contacted by a collection agency. I disputed and provided payment information and my credit report was corrected immediately. Now, 2 years later, XXXX XXXX XXXX has hired another Collections company to come after me. I disputed again and the results came back that the debt is valid. I also called XXXXXXXX XXXX XXXX regarding this and was advised that they would get back with me in 7 to 10 days. I am still waiting. The agent advised ( when I called to question the collection activity ) that they do have record of the {$90.00} payment I made with the transaction number. At this point, I am getting the run around and being harassed by XXXX XXXX XXXX about a debt I do not owe.

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 2021-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Im XXXX, I purchased a XXXX vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted XXXX several times and no response they said that I owed money even though I receive letters from XXXX credit and my insurance XXXX specifying it was paid off, they sold the so called debt to Credit Corp solutions all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/21 I was cold called by an agency XXXX XXXX XXXX XXXX XXXX XXXX stating that they were in charge of a delinquent bank ( Fifth Third ) account I once had. They mentioned the bank branch by name and they had my social security number, along with an old and current address I had. The amount they originally wanted was about {$1300.00}, and had been reduced to {$710.00}. After making the payment and receiving the emails theyd mentioned I would receive XXXX a settlement letter with case number and receipt for payment ) I decided to call the company to ensure all was well. The call answer had an automated response that seemed fishy. To my dismay, XXXX searches indicated the company was a fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-07-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote the three credit bureaus, Experian, XXXX and XXXX. I sent my disputes certified mail. None of these companies have responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: NY

Complaint narrative:
I already filed one complaint on this matter and the CFPB is allowing the creditor to continue to abuse me in their calling tactics. In present day and age, any number that calls from a restrictive line and states from the creditor and must provide personal identifying information is not a good sign. No creditor should ever be allowed to secretly call its customers on the phone only to tell them that they want to discuss account but can not discuss the account information unless customer provides personal identifying information. Not a good practice. Furthermore, the creditor limits the ability to pay on loan. If a certain account is not established, you can not make a payment. The customer must either do a one time special payment or establish auto-debit. Until the customer performs extra steps or calls, the creditor tracks as past due and attempts threaten and scare tactics. This firm is now engaging in bad practices and the CFPB and other regulatory bodies are allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I purchased a pre loaded Vanilla Gift Card with a preloaded amount of {$25.00}, using {$25.00} cash to make the purchase, and when I attempted to use it, a month later, could not. I did call the card shortly after purchase, and {$25.00} was the available and the card was ready for use. Upon attempting to use today, the 4th call to confirm the balance, the automated system stated there was an issue with the card. Speaking with XXXX, I was informed that I had to return to the merchant, to obtain the receipt, and send it to them, so they could verify the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief