vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This company has called me and threatened me saying they will take legal action against me. They also will not validate any information that has inaccurately been reported against my credit and is very much negatively damaging my credit. Ive been asking for verification and have requested verification 4 times from Portfolio Recovery and I do not receive proper verification when asked. 
PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$6200.00} Open balance XXXX XXXX  XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Two loans were taken out in XXXX of this year under my name without my authorization or permission. I contacted Moneylion immediately to dispute these loans. Moneylion has not closed the loan accounts and now they are showing up as delinquent and affecting my credit score. I reached out again to Moneylion several times and have not gotten any updates or issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one never provided me with full disclosure. They closed my account without any written notice, and continuously report negative remarks to the credit bureaus without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Negatively reporting unfair and information that isnt validated. I have personally asked this company to validate information 5 times and they will not validate anything on the account. 
LVNV FUNDING LLC Last reported XX/XX/XXXX {$640.00} Open balance XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I run an XXXX XXXX XXXX that requires heavy capital and constant rotation of money. My bank, citibank, closed my account without any notice at all, and when i tried to contact people in person at my local branch, they said that i had to contact the fraud department. Whenever, i ask them for a time span of when i am most likely to receive my funds, they say 30-60 DAYS, which is an insane amount of time, that XXXX is stuck inside my account, that cant be touched by me. They are unwilling to help me in anyway and are very disrespectful and vague in their answers. When I call the fraud department of citibank, they say that i just need to wait for the letter, which again, can arrive within 30-60 days. I will never do business with this bank again, i just want my money. Not only, am i ruining my own credibility from my suppliers in my business because of bounced checks and wires. Not only has this incident damaged my own personal savings and ability to generate money, but also my credibility as a well established business.

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 2021-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hello this is the most ridiculous problem I had with any company. One person said from Chrysler Capital I can't make a settlement offer. The next time I called they said we only do it for bankruptcy I stated I was in bankruptcy so misleading. The third time she told me we do settlement offers and transferred me to another department and I talk to a gentlemen he stated we never do settlement offers ever. So, misleading and they sold my loan to a collection agency. This could have been avoided if 4 employees did not say different quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello I have had numerous of calls from Chase since 2017 for me to apply for a modification. I have been denied 20 times and that is the sole reason my mortgage is at default. Misleading information and I have proof of the request for modification over the 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Have sent me demanding letters saying a debt is owed. Information that they are reporting wasnt validated and when asked to validated provided same exact response to the validation. This company is reporting false information and degrading my credit. 
PORTFOLIO RECOVERY A Last reported XX/XX/XXXX {$3000.00} Open balance XXXX XXXX XXXX  XXXX XXXX A Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original creditor name XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: FL

Complaint narrative:
CFPB NUMBER : XXXX To whom it May Concern : Hello, my name is XXXX XXXX XXXX and I On XX/XX/2021 your office received my request for XXXX, Equifax, XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with PNC bank. After submitting my application, PNC denied me of my right that I exercised in good faith of extending my credit. Pursuant to 12 CFR 1002 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right in extending my credit through their financial institution. This caused me some small damages and inconveniences due to the fact that I intended on immediately utilizing this credit extension for some family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
NATIONWIDE CREDIT , INC. ( nci ) I received communications from XXXX XXXX regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to XXXX XXXX, informing XXXX XXXX that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

XXXX XXXX XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from XXXX XXXX XXXX XXXX  was my account was sold to Nationwide Credit , Inc. ( nci ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with XXXX XXXX XXXX XXXX and Nationwide Credit , Inc. ( nci ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and XXXX XXXX XXXX XXXX investigation findings. 

In the meantime, Nationwide Credit , Inc. ( nci ) has been sending frequent emails to collect the said debt. I have not communicated with Nationwide Credit , Inc. ( nci ) because this confusing situation requires resolution before paying anyone any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) I received communications from American Express regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to American Express, informing American Express that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

American Express XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from American Express XXXX XXXX  was my account was sold to XXXX XXXX XXXX XXXX ( XXXX ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with American Express XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and American Express XXXX XXXX investigation findings. 

In the meantime, XXXX XXXX XXXX XXXX ( XXXX ) has been sending frequent emails to collect the said debt. I have not communicated with XXXX XXXX XXXX XXXX ( XXXX ) because this confusing situation requires resolution before paying anyone any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hello, I would like to file complaint against Wells Fargo about the escrow payments. I sold my XXXX to one of the person in the USA and I was promised that I will get the payment once I email the bank with the proof of shipment and the products price was XXXX  XXXX and also I was asked to pay XXXX  XXXX initially and then XXXX  XXXX and again XXXX  XXXX stating that the RBI requests this money for escrow payments its been more than a month since I sold my product and the banker doesnt answer me in the right way. It would be of great help if you look after this and help me throughout. 

Best regards

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 2021-11-07 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: FL

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
This account is involved in litigation. Vehicle was deemed total lost by insurance company without any previous late payments. Vehicle was covered by gap insurance. Lender continued attempts to collect on a debt that was not owed. Lender has currently has multiple class action suits in regards to its practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: MD

Complaint narrative:
Hello, I have been seeing for sometime now a report a XXXX XXXX from a company name XXXX XXXX XXXX. I searched them up and send numerous emails and calls but never got a reply. 
I already complained about this in the past. 
Frankly speaking I didnt know what this was about until I learnt initially that it was linked to a cable company I had even ceased my contract with one year prior with my account in order. 
I owe nothing to no company! 
Please remove this from my account or give me the details of what you pretend I owe so that I can go after the company because I dont owe anything!

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 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
There is {$340.00} has been transferred from my bank account to cash app without my authorization. I tried to fix this issue with cash app but they didnt do anything in this regard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Home Depot employees ( XXXX XXXX and XXXX XXXX ) stated we would get 24 months of no-interest financing through our Home Depot credit card to have Home Depot resurface our kitchen appliances. The purchase was made on XXXX XX/XX/2021. Home Depot is only giving us 6 months of no-interest financing. Order # XXXX. XXXX XXXX the sales manager said he is unable to assist as he is just a sales manager with limited access.

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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action. 


Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I had recently lost my debit card from first citizens bank, my card has the pin labeled on it, I already filed a dispute with the bank for an authorized purchase of {$2700.00}. Someone mad an a unauthorized purchase with my card. I have also had to call to cancel my card and everything to get a new one due to the incident that occurred. The bank declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
I had my identity stole and I two credit/ loans taken out under my social have police report and would like for these items to be deleted and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: CO

Complaint narrative:
Transunion is currently reporting two accounts by the names of 1. Portfolio recovery opened on XX/XX/XXXX for the amount of {$430.00}. This company has been previously updated and removed from my report THEN changed their name and has reposted an account on my credit report that is not mine. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$250.00}. This account is not mine

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