vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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 Accounts, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I filed and submitted a FTC report to XXXX Credit Reporting Agency regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed and submitted a FTC report to XXXX  Credit Reporting Agency ( via certified mail - they received notice on the XX/XX/XXXX ) regarding creditor : National Credit Systems that appears on my credit report in which there's a balance of {$5800.00}. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and National Credit Systems, pending the outcome of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/21 I contacted a dog seller on XXXX, seller said they had a yorkie available to ship by next day air. Puppy cost {$900.00}. I zelled XXXX the {$900.00}. The next morning he sends me a email regarding a bill of sell. Transferring the puppy from him to me. Filled the paper and emailed it back. Hrs later they tell me they where on the way to the airport send me a picture and all. Hrs later the airline transporting the pup emails me saying I have to pay a pet deposit of {$600.00} if not they wouldn't be able to transport the pup. I got in contact with the seller and asked them what was that about. They replied saying don't worry it's 100 % refundable and it's just a security pet fee. I sent the {$600.00} through zelle to XXXX. hrs later they emailed me saying they just arrived to XXXX and that me and other pet buyers didn't pay the Transferring of pet from state to state which will cost {$800.00}. I wrote to the seller again telling them that they should have told me from the beginning what my fees wore. They tell me again it's just to transport your pet from state to state. I was do hesitant but naive but I sent the money via zelle to XXXX. three hrs later they have the nerve to ask me for {$1200.00} saying they had to give the puppy 2 shots. Each shot cost {$600.00} and I needed to pay for that. I contacted the seller again requesting my money but of course they declined my request and deleted their XXXX account and won't refund my money. I contacted the bank and explained my situation and said they will email zelle to see if they can get ahold of the persons bank and find out what happened but I just received an email saying that my claim was resolved and no action would be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XXXX XXXXXXXX XXXX  TD Bank Rep. Lied & Said He Didn't See My Trustfund Money But He Did. When I Asked Him To Let Me See. My Account He Was Looking At On His Computer. He Refused By Saying Oh I Will Print Out A Receipt. So U Can See Your Balance. Then He Took My Old Debit Card Ending With XXXX. In The Back Of The Bank. And Gave Me A New Debit Card & Told Me. To Activate When I Get Home. But I Told Him To Activate It There. He Had Already The New Debit Card Before He Gave It Too Me. XXXX Told Me To Pick A Pin Number & I Did. Then XXXX Said It's Activated But He Been Did It. XXXX Thinking He Was Gon na Steal My Money But He Can't .XXXX  Gave XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Debit Card With The Same Numbers As Mine. So They Can Try To Steal My Trustfund Money. But They Can't No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I XXXX XXXX had a car towed that was previously stolen from me. Lien Enforcement INC. took over the Debt owed I put myself on a budget I personally could afford. I missed one payment by 7 days after paying for over a year DURING COVID 19. They tell me I have to pay the full balance because Im 7 days behind. I explain my situation to XXXX XXXX and hes not listening hes telling me I need to pay today or further action will be taken the debt is XXXX around there he tells me to hold on to get in lowered he comes back on the line and says I can pay XXXX to settle it today. If I told him before he put me on hold I dont even have {$500.00} why would he come back on the line with that response. Then 10 20 minutes go by of him telling me I need to go get a personal loan, pull from my 401k plan, I need to get a payday loan he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people. He asked me what banks have I tried to get a loan for like why is that any of your concern his only job is to collect debt not to harass me or try to force me to pay a debt when I can not. I paid XXXX for the car the tow yard sold it and now I owe XXXX $ for storage etc its really the last thing on my list. I explained I have no job I live with someone else its Covid 19 going on why are they calling harassing people all In personal business that has nothing to do with their job description. They have called me at work and held me up on the phone XX/XX/XXXX which was my last payment made after I repeatedly told them I was working. XXXX XXXX who I spoke to XX/XX/XXXX is the main harasser. He says how can we settle this today after I repeatedly told him either you can take my payment or you can put it on my credit he still kept going. Well I can split up the settlement into two which is over XXXX each after I just told him I dont even have XXXX to give.. its like he was intentionally antagonizing me. Trying to Belittle me as a person, because I cant pay a debt. Without People who owe debt they have no job. So they shouldnt be talking to people the way they do Lien Enforcement INC. Specifically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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:
Over a year ago, I discovered that I have been a victim of Identity theft. I discovered that someone unknown to me used my personal information and good credit to get credit cards from XXXX XXXX XXXX XXXX XXXX, and Capital One Bank. Since I was not aware of these accounts. They all got charged off and some ended in collations. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. I also request to investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. What did capital one did ignored all my communication and the only respond I got from them was a lawsuit documents from them and few months later a dismissal from their attorneys. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me, and I also the had sent me to collections. This is been a nightmare dealing with capital one for the past year, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX LexisNexis was sent a SECOND letter ( copy attached ) via certified mail in response to the corespondence sent in XXXX XXXX requesting more information involving identity. In addition to the letter LexisNexis was also sent a request form provided by LexisNexis to use to process request as well as ( 2 ) identity copies of state issued drivers license and social security card. On XX/XX/XXXX, LexisNexis sent corespondece that was exactly the same as the response to the first letter that informed them of their illegal activities. The correspondence ( copy attached ) stated that they once again could not process my request for my information and attached the exact same request form that had already been filled out and sent to them XX/XX/XXXX. Then XX/XX/XXXX I recieved a second letter ( copy attached ) from LexisNexis which states that they were " unable to locate '' a file matching my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter from BBVA on XX/XX/2021. The letter states the following. " Reducing the overall credit limit of your account to {$2400.00}. If your new limit is {$0.00}, we also are closing your account, and future transactions will not be honored. '' Reason giving is " Delinquent Credit obligations. '' My XXXX credit report does not show any delinquent credit obligations that they were not aware of ; I have two late payments on my credit report when they issued to card to me with a 10,000 credit limit. The most recent one is one year and seven months. I feel that something is going on since XXXX XXXX bought BBVA, and they are trying to clean the house before taking full control. I think that this move was unjustified. This action does hurt my credit profile, it puts me in a higher credit usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I opened a PNC Virtual Wallet Checking Pro account via a special link that was attached to a promotional offer. This promotional offer claimed that if I opened the above stated account, I would receive a promotional bonus of {$200.00} upon completing the written requirements. I also was emailed a separate offer of {$15.00} on XX/XX/XXXX, which required me to complete two bill payments from my Virtual Wallet Checking Pro. However, despite meeting all of the written requirements of the advertised offers, I have not yet received either promotional bonus. On XX/XX/XXXX, I inquired with PNC customer support about the missing promotional credits, but was told I would need to wait longer to receive the credits. 

The requirements of the {$200.00} advertised offer stated : the new Spend account [ Virtual Wallet Checking Pro ] must be opened online via the application link [ see attached for screenshot of application link page ] ... between XX/XX/XXXX to XX/XX/XXXX, and a qualifying Direct Deposit ( s ) must be received within the first 60 days ... [ and the reward ] will be credited to the eligible account within 60-90 days after all conditions have been met. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$2000.00} for Virtual Wallet Checking Pro. 

The requirements of the {$15.00} advertised offer stated : Users must use PNC Bank Online Bill Pay to submit 2 ( two ) bill payments by the end of the next calendar month, based on the date of this email, in order to qualify for the {$15.00} credit. If the qualifying criteria is met, a {$15.00} credit will be applied to the primary deposit account used for PNC Bank Online Bill Pay within ten weeks after completing the required bill payments. 

As evidenced in my attached documentation, I met the requirements of each offer as stated in the above two paragraphs. For the {$200.00} offer, I opened the account online via the application link and received multiple Direct Deposits to my Virtual Wallet Checking Pro Spend account, each totaling at least {$2000.00}, within the first 60 days after the account opening date. It is now well past 90 days since I met the requirements of this offer, but I havent yet received the {$200.00} credit. 

Additionally, while I completed the terms of the {$15.00} bill pay credit, by submitting two bill payments before the end of the following calendar month after receiving the offer, I have not yet received the {$15.00} credit despite it being past ten weeks since I completed the offer requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I opened this account app XX/XX/2020. I used the card for a two purchases and never got a statement in the mail. I know I owe the money for the purchases that is not my dispute. ( I have sent in the money to make the account current ).

My issue is two fold 1 ) I was charged numerous late charges 2 ) My XXXX credit score was majorly lowered by 90 points according to XXXX XXXX 

I tried to explain this to their collections representative but was told in no uncertain terms there was nothing they could or would do on my behalf. 

Thank you in advance for your attention to my problem.

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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence collections is attempting to collect on a debt that isnt owed for XXXX. Basically, a XXXX contract was cancelled early due to a military move protected under SCRA law. XXXX mistakenly charged a early termination fee but when I called them, they corrected the error and agreed that there was {$0.00} due on the account. Somehow, credence now owns the erroneous debt and keeps sending letters and has put a delinquency on my credit report that is false. I have disputed it multiple times but they keep saying they have validated the debt. I called XXXX again and they said that there is no debt and to contact credence. Im getting the run around and its hurting my credit score over a false debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nations Recovery Center
State: MI

Complaint narrative:
in XX/XX/2019 the amount of XXXX in a cashier checks settlement was paid to Nations Recovery Center apparently im just finding out this company didnt even own this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app decided to randomly close my account for no reason after having all my personal Information ( social, routing/tracking number, ID, and address ). 

They have no support number and only reply with a terms of service email when you contact there support option. This borderline fraud and stealing personal information without access to my account or a representative. Contacted them over 5 times on email to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent out letters on two separate occasions back to back on XX/XX/2020 and XX/XX/2020. Here it is XXXX and I have yet to get a response. What is going ton? this is against the law and willful non compliance. I want these items deleted per the FCRA. Im not no lawyer and im not about to quote all that legal jargon in this complaint. However I want this stuff removed immediately. Are you blatantly aiming at me and trying to take me out? What is going on.

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 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I sold my house and that paid my Mortgage with Shellpoint off. They have since reported me as 30 days late, then 60 days late on a {$0.00} loan which is absolutely impossible! The wire transfer took place twice on XX/XX/XXXX! Well before the loan could ever be considered late! You also CAN NOT BE LATE ON {$0.00}!! HELP ME! THEY DENIED THE WIRE TRANFER 2 TIMES! MY TITLE INSURANSOR WAS SURPRISED BY THEIR LACK OF ATTENTIVENESS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: ECMC GROUP, INC.
State: FL

Complaint narrative:
I received correspondence from ECMC via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at ECMC was monitoring that mailbox.

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. ECMC then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and ECMC either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.

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 2021-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood has locked my account, an account that hasn't had a trade executed in several years and which the account balance is {$140.00}. They will not let me withdraw the money and have not responded to multiple requests.

Company response to consumer: Closed with explanation