vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: PNC Bank N.A.
State: NC

Complaint narrative:
I've sent several times to XXXX fraud department a police report and FTC report with court records showing the loans through PNC and PNC and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several warrants for XXXX XXXX XXXX arrest for using my identity. Those three auto loans are not mine. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: MO

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 U.N.C.I.T.R.A.L Conventions.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MO

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 U.N.C.I.T.R.A.L Conventions.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paramount Recovery Systems, L.P.
State: MO

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've had a Wells Fargo credit card for almost two years, always made my payments on time and never had any issues. A couple of days I received a message saying that they increased my credit limit to {$4000.00}, but the next day after they raised my credit limit my account was closed without any reason, I call the bank and they said I was going to receive a letter explaining why. I received the letter today and it did not explained anything, so I have no clue why they just all fo the sudden close 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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
So my cashapp account and card was frozen or locked XX/XX/XXXX XXXX, I was trying to purchase something then my cashapp card declined when it was money in my acc .So then XX/XX/XXXX XXXX my card declined again .So now I cant send money or spend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services
State: CA

Complaint narrative:
No lawsuits have been filed. Please see attached. Sequoia never sent any notices of any kind. The first time I ever was made aware of this debt was after they put it on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a copy of the letter from the bankruptcy court along with a dispute letter requesting their method of verification to Experian on XX/XX/20 certified mail regarding two bankruptcies that was reporting on my credit report.I also sent another dispute letter on XX/XX/20 certified mail stating the inaccuracies of the two bankruptcies reporting on my file.Experian then responded on XX/XX/20 stating its still under investigation.Then Experian responded on XX/XX/20 stating that the two bankruptcies are reporting accurate.Then Experian sent another letter on XX/XX/20 stating to ask XXXX XXXX for verification on bankruptcies.I reached out to XXXX XXXX they sent me letter on XX/XX/20 stating they could not verify the two bankruptcies and its not showing in their files.I sent another dispute letter on XX/XX/20 certified mail explaining to Experian that XXXX  and XXXX  have deleted both bankruptcies because they couldnt be verified.Then I sent another dispute letter on XX/XX/20 certified mail to Experian with a copy of letter from XXXX XXXX stating its not showing in their file and I asked Experian again for their verification procedure.I also sent another dispute letter to go along with Experian investigation on XX/XX/20 certified mail further asking for verification of the two bankruptcies.Then Experian responded on XX/XX/20 stating the two bankruptcies are accurate and verified.Experian failed to provide me their method of verification which I requested on XX/XX/20.Experian disregarded the letter from the bankruptcy court stating they do not give out information to the credit bureaus.Experian stated to ask XXXX XXXX for verification because thats who they gathered their information from, I did just that and the two bankruptcies could not be verified and Experian ignored that letter from XXXX XXXX also.Experian did not do an investigation they never provided any method of verification or any proof to show how they verified the two bankruptcies.Experian has violated my rights under the Fair Credit Reporting Act and Im beyond frustrated.

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 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Phh mortgage co was not supposed to report my mortgage situation during the Covid 19 instead they reported an increase in My mortgage from the interest that is not supposed to be charged during the 3 month forbearance period negatively affecting my credit score. In XX/XX/2020 my mortgage was reported to have an increase of {$280.00} during the forbearance period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
inaccurate information

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 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I contacted Merchants Credit Giude to dispute a debt. I requested a copy of the bill and was told I needed to contact XXXX Hospital. I did just that twice and no bill was ever sent to me. I contacted the creditor again and was told that my account would be placed on hold and would not be sent to collections. When I disputed the bill through the credit bureaus, it was reported as accurate. It is on recording that it would not be sent to collections. No one will listen to the recording as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I previously had taken out two of these loans and paid them off without issue. Each time the payoffs came from my XXXX checking account. This company also charges a membership fee and that charge comes every two weeks. If you do not pay the fee, they freeze your account. This is important because when you take out the loan you only get some of the money, with the rest of the money coming after the loan has been paid off. If your account is frozen, even if you pay off the loan, you don't get the money that is in escrow. 
At some point there was an issue with this membership fee which they acknowledged was their error, yet still they put a freeze on my account. In order to get the account active again I gave payment information for a XXXX checking account that I have. The membership fee was processed and the hold removed. 
I subsequently took out a third loan. Without my permission and despite the fact that I had used the chase account for all loan payments, moneylion begin to attempt to debit the XXXX checking account to pay off the third loan that I took out. I don't keep any cash in that account and consequently I was hit with overdraft fee and seven NSF fees that total over {$270.00}. I asked moneylion to please contact XXXX and let them know that these charges were in error, that way I could recover the overdraft fees. Even though they acknowledge the mistake, Moneylion refused to assist. This despite the fact that I indicated that I would pay off the current loan as soon as they contacted XXXX. When you consider the fact that 45 % of the loan amount is sitting in an escrow account, and the problems that they've created and acknowledge but refused to correct, it seems a little unfair that I would have to bear the financial burden of this shoddy operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
ON XXXX received an alert from XXXX stating that Enhanced Recovery added a collection onto my account the same account that was dispute listed above they are continuing to add the account on my credit file when I have advised them that I was not the party who is responsible for the account due to identity theft and yet they are continuing calling harassing and trying to force me to pay for something that does not belong to me, please remove the account from my XXXX credit report and find the person responsible for the debt Results Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX  XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX XXXX | View your Report | View your credit score Deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've had a credit card account with Capital One since XX/XX/XXXX. It is my second oldest credit card and has a high level of importance to my overall credit score due to the age of the account. On XX/XX/XXXX, without any advanced warning, notice, or attempt to contact me, Capital One closed my account due to inactivity. Within an hour of receiving the closure notification via email, I contacted Capital One 's customer service phone line in an attempt to get my account re-opened. The customer service representative took a moment to examine my account before informing me it could not be re-opened because it had been inactive for 24 months. I explained that I was unaware of this 24 month rule ( it probably wasn't in the original agreement I accepted 9 years ago ), and that I would certainly make more efforts to use the card if they could have the account re-opened. The representative was unmoved. I requested to speak with a supervisor hoping someone at a higher level of authority within the company could assist me. After a terse " hello '', the supervisor immediately shut me down by repeating the same line as the original service rep, that my account could not be re-opened and the decision was final. I told the supervisor how surprised I was that, after a nearly 10 year financial relationship with Capital One, during which my credit card account was always in good standing with no missed payments, they would close my account without warning. The supervisor told me it was just a business decision, not a big deal. Well, it may be just another " business decision '' for Capital One, but for me it's a negative hit to my credit score that impacts my ability to borrow money or open credit accounts in the future. The fact that they would do this to me in the middle of the COVID-19 pandemic, when I have a myriad of other financial concerns to address, made it especially painful. Just two months ago, I received an email from Capital One saying they were here to support me during these uncertain times. You know how they could have best supported me during these uncertain times? Maybe by not dealing a blow to my credit score by abruptly closing my second oldest credit card account in the middle of a worldwide pandemic. 

I get that this credit card closure was probably an automated action that takes place after a certain number of inactive months, but I'd like to think Capital One is a corporation with some humanity, that can make exceptions and show flexibility to help me in this situation, rather than a faceless corporation that leans heavily on rules buried deep within credit card agreements to XXXX punch my financial situation when the chips are already down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC
State: NC

Complaint narrative:
Account Name : PERSONIFY Account XXXX : XXXX Reason : Incorrect late payment to credit reporting agencies. 

I originally borrowed {$1000.00} from this company around XX/XX/2019. But the interest rate was way too high for me. Originally they said I had to make payments around {$100.00} a month I do believe. Then they tried taking out over {$2000.00} a month from my XXXX  XXXX XXXX checking account. This is insane. I had to call XXXX XXXX XXXXXXXX, account number XXXX to block this company from taking XXXX out each month for x amount of months when I only owed like XXXX to them. This went on for months and I refused to pay this much because I was struggling and I am a XXXX veteran. They never gave me the chance to explain my financial situation. They then kept increasing the balance owed because now they charged it off as me owing over XXXX dollars. and it's affecting my credit really bad and I called them to fix it but they refused to help me. they told me they had already turned it over to a collections agency. I want them to fix this so i can get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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