vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 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: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Re : Select Portfolio Servicing, Inc ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XX/XX/2014. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. XXXX XXXX has sent me several bills in which I have made several payments to. This is a violation of 15 usc 1692b. You are acting as a third party debt collector and I never gave you permission to obtain my information. There isn't a contract between Sentry Credit and I, if so, please present that contract to me with my signature. You will be held Criminally liable Pursuant to 15 usc 1611 and Civilly liable pursuant to 15 usc 1640 for violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting WELLS FARGO FINANCIA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We used our credit card to put down deposits for work that was supposed to begin on our home in 2017. The zoning board stepped in which caused a delay of 1 year on our project. By the time we were approved the contractor had gone out of business and all of the deposits we gave were not applied and work was never completed. We contacted capital one and they did an investigation over a few months and said it was fraud and my money would be returned and that it could be used to finish the home. They wished me well and that was that. We then used the money with a new contractor to finish the home..six months later capital one calls me and said they were taking another look at the case and that they decided it should be redone as a dispute and reversed all my charges taking me from a negative XXXX balance to a positive XXXX balance. They refused to give me the transcripts of the calls where they said I could use the funds and they basically changed there decision because they said the time frame between the charges and the fraud claim was to long. I explained that was because of the 1 year process that took place because of the zoning board. I paid off the card over the original timeframe and only used it again when they said I could. I had to hire new contractors and pay for all the work again since the original contractor never did the work but gave my card to pay his debts telling me it was for deposits on my job. I only found out when it came time to do the work that he defrauded me and thats when I put the claim in for fraud. I dont understand how they can do an investigation make a decision and tell someone its finalized and they can use the money and when I do change there kind months later and take me from a credit of XXXX to a balance of XXXX a XXXX swing. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BANK OF AMERICA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: CA

Complaint narrative:
I did not consent to authorize nor benefit from these accounts, along with XXXX  has violated my federally protected consumer rights under the FCRA and also under Truth in Lending Act

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 2021-02-14 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: TN

Complaint narrative:
Re : XXXX XXXX XXXX, XXXX ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.

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 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting PNC BANK, NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BRANCH BANK & TRUST ( Opened XXXX. XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a bill in the amount of {$1400.00} from US Bank. I left US bank and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with US bank since then which is in collections. I do not recall or understand why Im receiving this. I already owe US bank over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.

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 2021-02-14 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2020 I started getting letters from Midland Credit Management. Unpon further research, these accounts were transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and I'm requesting legal action to remove these account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I received a bill in the amount of {$1400.00} from XXXX XXXX. I left XXXX XXXX and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with XXXX XXXX  since then which is in collections. I do not recall or understand why Im receiving this. I already owe XXXX XXXX  over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a previous Capital One Secured MasterCard credit card account. The previous account balance and debt I owed to Capital One Bank, was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of XXXX  Bankruptcy Court on XX/XX/XXXX. I applied for a Capital One Bank Secured MasterCard and both of my applications was denied for approval and credit. Capital One Bank keeps denying my online applications for a Capital One Bank Secured MasterCard credit card account due to me for filing bankruptcy and getting the previous account I had with Capital One Bank discharged in bankruptcy court. Capital One Bank is discriminating against me by denying me credit and an opportunity to rebuild my credit, discriminating against me based on me filing for bankruptcy and based on my race, me being XXXX XXXX. Capital One Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Committee ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have this matter throughly investigated and amicably resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
1st letter attempt XX/XX/XXXX 2nd letter attempt XX/XX/XXXX 3rd letter attempt XX/XX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Ive tried to get verification from this company numerous times with no response. Went to their website to enter in my SS # to verify and it comes up as invalid ss #.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have both a checking and savings account with B B & T Bank and my combined totals should be over {$13000.00}. My statements do not reflect my actual balances and when I have gone to the branch to complain, my requests for an accounting have been ignored. 
the acting manager " XXXX '' has refused me access to my funds and I now have been charged hundreds in bounced check fees and late fees when I have more than enough to cover my payments. If it wasn't for my having some cash at home to buy money orders, my bills would not have been paid. 
My account has been frozen and I can't even access an ATM. My monthly Social Security check goes to my checking account and I'm not getting any help from the bank 's customer service department. Can you please help?

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 2021-02-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1900.00}, {$6000.00}, {$2900.00}, {$3500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$640.00}, {$800.00}, {$1600.00}, {$4000.00}, {$6300.00}, {$2600.00}, {$3300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 
-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

15. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
I had a previous Discover Card credit card account. The previous account balance and debt I owed to Discover Card was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of Minnesota Bankruptcy Court on XX/XX/XXXX. I applied for a Secured Discover Card credit card account and my credit card application was denied for approval and credit. Discover Card keeps denying my online applications for a Secured Discover Card credit card account due to me filing for bankruptcy and getting the previous Discover Card account discharged in bankruptcy court. Discover Financial Services is discriminating against me for filing bankruptcy and getting the previous Discover Card credit card account discharged in bankruptcy court, denying me credit and an opportunity to rebuild my credit. Discriminating against based on my race, me being XXXX American. Discover Financial Services is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Commission ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have my complaint and this matter throughly investigated and amicably resolved.

Company response to consumer: Closed with explanation