vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Discovery and Determination of Alleged Student Loan Debt Letter and Response. 

This is notice that on or about XX/XX/XXXX, a call was placed to the XXXXS Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of XXXX. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
On XX/XX/2020 and many days before, it is almost every day they call when i am sleeping, i do not owe any dept to anyone.

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 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I filed a claim to Wellsfargo for fraud because I paid for a service and did not receive the service. 

They denied the claim. 

I paid for the service on three different accounts and I have proof of the interactions and the service I did not receive. 
Please help me dispute this with WellsFargo and 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 2020-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank, during XX/XX/2020, without any notice to me, froze the ability to make withdrawals from my accounts. As a result, three prescheduled ACH payments that were scheduled were rejected resulting in {$140.00} in fees from my credit card for returned check, and {$60.00} in late fees, for a total loss of {$200.00}. In addition, Capital One wrongfully converted my balances of {$670.00} ( savings ) and {$90.00} ( checking ). Therefore, the total losses are {$990.00} due to the wrongful actions of Capital One. 

I called Capital One on four occasions. Each time the representative states that they can not access the account and they transfer me to the " correct department. '' However, the " correct department '' never comes on the line. In each case, over 60 minutes passed without the " correct department '' answering. I note that the call center Capital One uses is not located in the United States and they are transmitting sensitive account data to XXXX XXXX and XXXX. 

I have maintained these accounts with Capital One Bank for over 10 years without any incident. 

Based on information, Capital One experienced a data breach and most likely caused whatever security issue to occur through its own negligence. I engaged in no activity that would warrant Capital One blocking my routine ACH payments that have been recurring for the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MN

Complaint narrative:
ATM didn't return my card back and now is impossible to have a replacement because they are not able to find my data in their system. I helped them with the data in the XXXX portal but it is useless for them and calls never resolve the 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 non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello! 

I have actively closed my CitiBank AA credit card more than 5 different times. I have been told, more than 5 times that the account has been closed. The first time I closed the card, the payed the entire amount and the balance was XXXX. YET - despite the account being closed, citibank allowed a XXXX subscription of {$4.00} to get billed ( they should have declined the bill ) and I continue to get statements for this card. The XXXX dollars was removed about a month ago after I was on the phone for over an hr an 4th time expressing my frustration and being affirmed that the account was closed and it was a mistake. Now- A month later, I got a bill for {$0.00} yet an available credit of XXXX **because the account is closed. 

Like I said- I have called 4 separate times and each time been told the account is XXXX and that the account is closed. Clearly - this is not the case. For the record, it is enraging and unethical that before I can speak to a live person, Citibank drops my calls at least 2 times and each call with them takes over 1.5 hours. 

Basically, the issue is that CitiBank lies to me every month that my account is closed, and continues to keep it open with just a few cents or a couple dollars that should never have been put on the card in the first place because the charges occurred AFTER the account was closed.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
The issue is the mortgage company has refused to remove PMI from the loan even though the mortgage balance is below 78 % XXXX as compared to the value when the loan was first obtained.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
back in XX/XX/2020 {$20.00} and {$19.00} was taken out and it was told to me it was cancelled. Nothing else was going to be taken out of my account by Lexington Law Representative. Then I check my account and {$19.00} and {$89.00} was taken out of my account without my authorization. These people are constant harrassing my husband and when the account was told to me it was cancelled. But this happens I called to Lexington Law asking for a manager and instead of getting me a manager they give to client services and I had on hold constantly for over 1 hour not stating how they are going to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my pnc account to my XXXX XXXX account and it's not letting me I have to pay my rent though XXXX XXXX so I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Best Buy/ Citi Bank Lost all of my account information. I tried to pay my bill in XXXX of XXXX and was unable to login into my account. I called the number on my card and gave my information and was told there was no account under that card number. Same with Social security number, address ect. I was told to send a copy of an existing statement to a specific email provided. I had no way of giving the proper info as there was no account to look at. Best buy and Citi Bank never followed up with me. I never received an updated account. Somehow this was still reported to all 3 credit Bureaus. I tried to use the account number provided on my report to regain my account. This account number still DID NOT EXIST. XX/XX/XXXX and there is still no update or record of me ever having a Best Buy/ Citi Bank 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 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received in the mail a {$2500.00} check from XXXX XXXX XXXX and XXXX XXXX for a claim for services rendered for XXXX  XXXX. Then, I proceeded to submit the check on XX/XX/XXXX as a mobile deposit to my bank - Suntrust now Truist. 

Then, the next day, I am unable to get online access to check my account.I called customer service and I am told that the account is closed yet the check has cleared. 
So, I call XXXX XXXX XXXX and XXXX XXXX to ask it the check is legitimate. I am told that check for services on XX/XX/XXXX is real. 

I call the bank and ask what is going and is my account or not. I told the representative that I would prefer to keep the account as I have my VA XXXX check coming monthly to the bank. 

Then, on XX/XX/XXXX, I receive a letter saying the hold has occurred for the following reason : " We have confidential information that indicates the check may not be paid. '' And, if the funds held for deposit do clear " funds will be available on XX/XX/2020. '' I call customer service today and I get the message that the account is on hold and the account is under and closed. So, I have a concern why am I getting mixed messages about the legitimate payment made to me and deposited in good faith to the bank. As of now, I don't when or if I will receive my {$2500.00} due to me. Please advise and help me. I am XXXX  veteran who needs the money to pay my living and medical expenses in a prompt fashion. 

This matter has really shaken me to my core, and I wonder why this imposition and inconvenience has occurred. Thank you, in advance, for your assistance. 

XXXX XXXX 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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Please be advised I requested validation from the collector. I also requested proof of signature to my agreement of services not receive however I did receive a response that included personal medical records that clearly violates my hippa rights. Also the debt isnt fully verified without my signatures. The collector did not provide me a release that releases my medical information to them, therefor by providing such information they are violating my hippa rights. I will need to refer this violation to the appropriate people if items Remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed the Unified Home Loan Application with the mortgage lender Eagle Home Mortgage , LLC. a subsidiary of Lennar Homes, INC. I paid Lennar Homes  a total of {$4500.00} as an initial down payment to take the newly built home off the market in XXXX, FL, and the Lennar Homes New Home Consultant/Sales Agent, together with the Eagle Home Mortgage Specialist, pointed me to a Federal Housing Administration loan due to its low percentage cost of initial down payment. 

In my application, I was transparent with Eagle Home Mortgage about my citizenship status. I am not a U.S. citizen, nor a U.S. permanent resident. Instead, I am an asylum applicant with a XXXX XXXX work permit and social security number, as I have been awaiting a final decision on my XXXX  claim since XXXX. My work permit is renewable every 2 years and I am continuously authorized to work in the United States. 

Eagle Home Mortgage and Lennar Homes carried me through the home purchasing process with an expected closing date of XXXX XXXX. I complied with all of the requirements for documentation, income levels, and debt-to-income ratio terms of the Lender. My original Purchase Agreement stated that I could cancel the contract with a penalty of {$250.00} on my original {$4500.00} deposit within 30 days, but as 30 days and more went by, Eagle Home Mortgage did not mention any issues with my application, which indicated that I did not need to cancel my Purchase Agreement. 

On XX/XX/XXXX, after having granted me a conditional loan approval earlier on XX/XX/XXXX, a home inspection, and submission of numerous documents that were requested, Eagle Home Mortage informed me that they had " come across information '' indicating that I would not be eligible for an FHA loan, and denied my application. 

As of XX/XX/XXXX, following multiple requests for information and attempts to make contact with both the lender Eagle Home Mortgage and its parent company Lennar Homes, I have not received a detailed letter explaining why my loan was denied, what information they came across of, and why their decision contradicts the exact specifications of the Housing and Urban Development Single Family Housing Policy handbook and Federal Housing Administration guidelines for issuing FHA-backed loans to non-U.S. citizens, and they have also not returned my earnest money held in an escrow account despite the cancellation of my loan application and the sale of the home to another buying party only two days after I was notified of my mortgage loan application being denied.

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 2020-07-16 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX This is being reported on my credit report and I dont even know what this is. Plus this debt is 8 years old and I am not sure why XXXX  and XXXX  have removed this debt and Experian is the only one reporting. This needs to be removed from my credit report IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/2020, through my bank ( XXXX XXXX  ), I made a domestic wire transfer of {$3400.00} to a friend. The friends bank ( PNC Bank ) for some reason said it was unauthorized for some reason and that the money would not be available in his account and that the money would be returned to the senders bank ( my bank, XXXX XXXX  ). Well that was over a month ago, and it still has never been returned. My bank ( XXXX XXXX ) has confirmed that it was properly authorized and completed two wire investigations with no response from PNC Bank. My friend has contacted PNC Bank several times and only received one message on XX/XX/2020 that the money would be returned to the senders bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AZ

Complaint narrative:
A coalition of attorneys, announced on XX/XX/2020, a settlement with XXXX XXXX XXXX XXXX ( XXXX ). The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk. XXXX has agreed to help repair consumer credit reports that were damaged by its alleged practices by removing the account from credit reports. 

In the settlement on page 9, paragraph 16, " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. '' I have two letters to credit reporting agencies and have not received a response regarding this particular issue.

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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX  
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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